Side-by-side · Q2 2026 data
Citizens Bank & Trust vs Arbor Bank
Metric by metric
| Measure | Citizens Bank & Trust | Arbor Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 57 |
| Capital cushion | 75 (stronger) | 37 |
| Loan quality | 97 (stronger) | 66 |
| Earnings | 74 (stronger) | 67 |
| Funding & liquidity | 87 (stronger) | 51 |
| Problem-loan coverage | 99 (stronger) | 82 |
| Peer percentile | 88th | 14th |
| Total assets | $107.3M | $701.7M |
| Deposits / shares | $93.7M | $607.8M |
| Capital ratio | 12.50% (stronger) | 8.69% |
| Problem loans | 0.08% (stronger) | 1.03% |
| Net charge-offs | 0.05% | 0.01% (stronger) |
| Return on assets | 1.36% (stronger) | 1.16% |
| Loans ÷ deposits | 55.9% (stronger) | 97.3% |
| Uninsured deposits | 27.3% | 25.7% (stronger) |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.9% |
Citizens Bank & Trust has the higher TellerScore (85 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust leads on 5 and Arbor Bank on 2. 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.