Side-by-side · Q2 2026 data
Citizens 1st Bank vs Bank of the West
Metric by metric
| Measure | Citizens 1st Bank | Bank of the West |
|---|---|---|
| TellerScore | 83 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 47 |
| Loan quality | 82 | 100 (stronger) |
| Earnings | 89 (stronger) | 84 |
| Funding & liquidity | 34 | 52 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 84th | 57th |
| Total assets | $811.0M | $829.8M |
| Deposits / shares | $615.5M | $747.1M |
| Capital ratio | 20.52% (stronger) | 9.66% |
| Problem loans | 0.53% | 0.00% (stronger) |
| Net charge-offs | 0.26% | 0.00% (stronger) |
| Return on assets | 1.71% (stronger) | 1.60% |
| Loans ÷ deposits | 77.8% | 66.7% (stronger) |
| Uninsured deposits | 58.3% | 52.5% (stronger) |
| Offices | 4 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | — |
Citizens 1st Bank has the higher TellerScore (83 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Citizens 1st Bank leads on 3 and Bank of the West on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.