Side-by-side · Q2 2026 data
Citizens 1st Bank vs Southside Bank
Metric by metric
| Measure | Citizens 1st Bank | Southside Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 75 |
| Capital cushion | 100 (stronger) | 64 |
| Loan quality | 82 | 94 (stronger) |
| Earnings | 89 (stronger) | 74 |
| Funding & liquidity | 34 | 50 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 84th | 77th |
| Total assets | $811.0M | $8.8B |
| Deposits / shares | $615.5M | $6.2B |
| Capital ratio | 20.52% (stronger) | 11.43% |
| Problem loans | 0.53% | 0.19% (stronger) |
| Net charge-offs | 0.26% | 0.02% (stronger) |
| Return on assets | 1.71% (stronger) | 1.35% |
| Loans ÷ deposits | 77.8% (stronger) | 79.4% |
| Uninsured deposits | 58.3% | 42.8% (stronger) |
| Offices | 4 | 55 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | 42.2% |
Citizens 1st Bank has the higher TellerScore (83 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Citizens 1st Bank leads on 4 and Southside Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.