Side-by-side · Q2 2026 data
Citizens & Northern Bank vs Firstrust Savings Bank
Metric by metric
| Measure | Citizens & Northern Bank | Firstrust Savings Bank |
|---|---|---|
| TellerScore | 53 | 68 (stronger) |
| Capital cushion | 50 | 64 (stronger) |
| Loan quality | 43 | 74 (stronger) |
| Earnings | 58 | 88 (stronger) |
| Funding & liquidity | 53 (stronger) | 26 |
| Problem-loan coverage | 79 | 89 (stronger) |
| Peer percentile | 11th | 49th |
| Total assets | $3.1B | $5.6B |
| Deposits / shares | $2.6B | $4.8B |
| Capital ratio | 9.96% | 11.44% (stronger) |
| Problem loans | 1.70% | 0.79% (stronger) |
| Net charge-offs | 0.88% | 0.42% (stronger) |
| Return on assets | 0.96% | 1.71% (stronger) |
| Loans ÷ deposits | 88.9% (stronger) | 95.7% |
| Uninsured deposits | 31.4% (stronger) | 49.7% |
| Offices | 34 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | 27.8% |
Firstrust Savings Bank has the higher TellerScore (68 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Citizens & Northern Bank leads on 2 and Firstrust Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.