Side-by-side · Q2 2026 data
Citizens and Farmers Bank vs MainStreet Bank
Metric by metric
| Measure | Citizens and Farmers Bank | MainStreet Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 47 |
| Capital cushion | 62 | 78 (stronger) |
| Loan quality | 97 (stronger) | 0 |
| Earnings | 71 (stronger) | 56 |
| Funding & liquidity | 54 (stronger) | 47 |
| Problem-loan coverage | 99 (stronger) | 58 |
| Peer percentile | 77th | 5th |
| Total assets | $2.8B | $2.2B |
| Deposits / shares | $2.4B | $1.9B |
| Capital ratio | 11.20% | 12.78% (stronger) |
| Problem loans | 0.09% (stronger) | 3.15% |
| Net charge-offs | 0.57% | 0.03% (stronger) |
| Return on assets | 1.27% (stronger) | 0.90% |
| Loans ÷ deposits | 89.0% (stronger) | 99.5% |
| Uninsured deposits | 30.5% | 27.8% (stronger) |
| Offices | 32 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.4% | 15.6% |
Citizens and Farmers Bank has the higher TellerScore (75 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Citizens and Farmers Bank leads on 4 and MainStreet Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.