Side-by-side · Q2 2026 data
Citizens Bank and Trust vs International Finance Bank
Metric by metric
| Measure | Citizens Bank and Trust | International Finance Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 66 |
| Capital cushion | 30 | 33 (stronger) |
| Loan quality | 88 | 90 (stronger) |
| Earnings | 77 (stronger) | 68 |
| Funding & liquidity | 79 (stronger) | 69 |
| Problem-loan coverage | 91 | 95 (stronger) |
| Peer percentile | 44th | 40th |
| Total assets | $1.5B | $1.6B |
| Deposits / shares | $1.4B | $1.5B |
| Capital ratio | 8.04% | 8.31% (stronger) |
| Problem loans | 0.35% | 0.30% (stronger) |
| Net charge-offs | 0.06% | 0.00% (stronger) |
| Return on assets | 1.43% (stronger) | 1.20% |
| Loans ÷ deposits | 62.6% (stronger) | 90.4% |
| Uninsured deposits | 31.5% | 15.3% (stronger) |
| Offices | 16 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | 4.3% |
Citizens Bank and Trust has the higher TellerScore (67 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank and Trust leads on 3 and International Finance Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.