Side-by-side · Q2 2026 data
Citizens Bank and Trust vs Helm Bank USA
Metric by metric
| Measure | Citizens Bank and Trust | Helm Bank USA |
|---|---|---|
| TellerScore | 67 (stronger) | 59 |
| Capital cushion | 30 | 62 (stronger) |
| Loan quality | 88 (stronger) | 45 |
| Earnings | 77 (stronger) | 64 |
| Funding & liquidity | 79 (stronger) | 56 |
| Problem-loan coverage | 91 (stronger) | 82 |
| Peer percentile | 44th | 19th |
| Total assets | $1.5B | $1.2B |
| Deposits / shares | $1.4B | $1.1B |
| Capital ratio | 8.04% | 11.18% (stronger) |
| Problem loans | 0.35% (stronger) | 1.65% |
| Net charge-offs | 0.06% | -0.00% (stronger) |
| Return on assets | 1.43% (stronger) | 1.09% |
| Loans ÷ deposits | 62.6% | 61.4% (stronger) |
| Uninsured deposits | 31.5% (stronger) | 53.6% |
| Offices | 16 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | 7.3% |
Citizens Bank and Trust has the higher TellerScore (67 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank and Trust leads on 4 and Helm Bank USA on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.