Side-by-side · Q2 2026 data
Citizens Bank and Trust vs Grove Bank & Trust
Metric by metric
| Measure | Citizens Bank and Trust | Grove Bank & Trust |
|---|---|---|
| TellerScore | 67 | 68 (stronger) |
| Capital cushion | 30 | 50 (stronger) |
| Loan quality | 88 | 100 (stronger) |
| Earnings | 77 (stronger) | 47 |
| Funding & liquidity | 79 (stronger) | 55 |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 44th | 49th |
| Total assets | $1.5B | $1.4B |
| Deposits / shares | $1.4B | $1.2B |
| Capital ratio | 8.04% | 9.96% (stronger) |
| Problem loans | 0.35% | 0.01% (stronger) |
| Net charge-offs | 0.06% | 0.02% (stronger) |
| Return on assets | 1.43% (stronger) | 0.68% |
| Loans ÷ deposits | 62.6% (stronger) | 70.8% |
| Uninsured deposits | 31.5% (stronger) | 45.5% |
| Offices | 16 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | — |
Grove Bank & Trust has the higher TellerScore (68 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank and Trust leads on 3 and Grove Bank & Trust on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.