Side-by-side · Q2 2026 data
Citizens Bank and Trust vs Midflorida Credit Union
Metric by metric
| Measure | Citizens Bank and Trust | Midflorida Credit Union |
|---|---|---|
| TellerScore | 67 | 72 (stronger) |
| Capital cushion | 30 | 57 (stronger) |
| Loan quality | 88 (stronger) | 85 |
| Earnings | 77 (stronger) | 71 |
| Funding & liquidity | 79 (stronger) | 69 |
| Problem-loan coverage | 91 | 93 (stronger) |
| Peer percentile | 44th | 66th |
| Total assets | $1.5B | $9.8B |
| Deposits / shares | $1.4B | $8.6B |
| Capital ratio | 8.04% | 10.69% (stronger) |
| Problem loans | 0.35% (stronger) | 0.46% |
| Net charge-offs | 0.06% (stronger) | 0.42% |
| Return on assets | 1.43% (stronger) | 1.27% |
| Loans ÷ deposits | 62.6% (stronger) | 90.9% |
| Uninsured deposits | 31.5% | 13.2% (stronger) |
| Offices | 16 | 66 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | — |
Midflorida Credit Union has the higher TellerScore (72 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank and Trust leads on 4 and Midflorida Credit Union on 3. 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.
Where both have branches
- Lakeland, FL
- Winter Haven, FL
- Lake Wales, FL
- Bartow, FL
- Haines City, FL
- Auburndale, FL
- Plant City, FL