Side-by-side · Q2 2026 data
Citizens Bank & Trust Co. vs Reliance Bank
Metric by metric
| Measure | Citizens Bank & Trust Co. | Reliance Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 65 |
| Capital cushion | 36 | 40 (stronger) |
| Loan quality | 91 | 92 (stronger) |
| Earnings | 68 (stronger) | 54 |
| Funding & liquidity | 84 (stronger) | 62 |
| Problem-loan coverage | 93 | 95 (stronger) |
| Peer percentile | 40th | 29th |
| Total assets | $329.0M | $334.1M |
| Deposits / shares | $297.4M | $281.6M |
| Capital ratio | 8.63% | 8.98% (stronger) |
| Problem loans | 0.26% | 0.25% (stronger) |
| Net charge-offs | 0.09% | 0.01% (stronger) |
| Return on assets | 1.21% (stronger) | 0.84% |
| Loans ÷ deposits | 55.2% (stronger) | 85.8% |
| Uninsured deposits | 29.9% | 26.3% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank & Trust Co. has the higher TellerScore (69 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust Co. leads on 3 and Reliance Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.