Side-by-side · Q2 2026 data
Citizens Bank and Trust vs OptimumBank
Metric by metric
| Measure | Citizens Bank and Trust | OptimumBank |
|---|---|---|
| TellerScore | 67 | 76 (stronger) |
| Capital cushion | 30 | 55 (stronger) |
| Loan quality | 88 | 94 (stronger) |
| Earnings | 77 | 98 (stronger) |
| Funding & liquidity | 79 (stronger) | 47 |
| Problem-loan coverage | 91 | 97 (stronger) |
| Peer percentile | 44th | 80th |
| Total assets | $1.5B | $1.4B |
| Deposits / shares | $1.4B | $1.2B |
| Capital ratio | 8.04% | 10.54% (stronger) |
| Problem loans | 0.35% | 0.18% (stronger) |
| Net charge-offs | 0.06% | 0.00% (stronger) |
| Return on assets | 1.43% | 1.95% (stronger) |
| Loans ÷ deposits | 62.6% (stronger) | 97.9% |
| Uninsured deposits | 31.5% | 28.7% (stronger) |
| Offices | 16 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | — |
OptimumBank has the higher TellerScore (76 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank and Trust leads on 1 and OptimumBank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.