Side-by-side · Q2 2026 data
Citizens Bank & Trust vs Bank of Billings
Metric by metric
| Measure | Citizens Bank & Trust | Bank of Billings |
|---|---|---|
| TellerScore | 85 (stronger) | 64 |
| Capital cushion | 75 (stronger) | 49 |
| Loan quality | 97 (stronger) | 70 |
| Earnings | 74 (stronger) | 61 |
| Funding & liquidity | 87 (stronger) | 74 |
| Problem-loan coverage | 99 (stronger) | 89 |
| Peer percentile | 88th | 26th |
| Total assets | $107.3M | $105.0M |
| Deposits / shares | $93.7M | $91.2M |
| Capital ratio | 12.50% (stronger) | 9.88% |
| Problem loans | 0.08% (stronger) | 0.91% |
| Net charge-offs | 0.05% (stronger) | 0.13% |
| Return on assets | 1.36% (stronger) | 1.03% |
| Loans ÷ deposits | 55.9% (stronger) | 85.9% |
| Uninsured deposits | 27.3% | 13.8% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank & Trust has the higher TellerScore (85 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust leads on 6 and Bank of Billings on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.