Side-by-side · Q2 2026 data
Citizens Bank & Trust Co. vs Citizens Independent Bank
Metric by metric
| Measure | Citizens Bank & Trust Co. | Citizens Independent Bank |
|---|---|---|
| TellerScore | 69 | 75 (stronger) |
| Capital cushion | 36 | 73 (stronger) |
| Loan quality | 91 | 95 (stronger) |
| Earnings | 68 (stronger) | 41 |
| Funding & liquidity | 84 (stronger) | 77 |
| Problem-loan coverage | 93 | 93 |
| Peer percentile | 40th | 61st |
| Total assets | $329.0M | $314.2M |
| Deposits / shares | $297.4M | $267.0M |
| Capital ratio | 8.63% | 12.31% (stronger) |
| Problem loans | 0.26% | 0.14% (stronger) |
| Net charge-offs | 0.09% (stronger) | 2.85% |
| Return on assets | 1.21% (stronger) | 0.53% |
| Loans ÷ deposits | 55.2% (stronger) | 77.5% |
| Uninsured deposits | 29.9% | 20.1% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Citizens Independent Bank has the higher TellerScore (75 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust Co. leads on 3 and Citizens Independent Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.