Side-by-side · Q2 2026 data
Citizens Bank & Trust Co. vs Security Bank & Trust Company
Metric by metric
| Measure | Citizens Bank & Trust Co. | Security Bank & Trust Company |
|---|---|---|
| TellerScore | 69 | 74 (stronger) |
| Capital cushion | 36 | 44 (stronger) |
| Loan quality | 91 (stronger) | 89 |
| Earnings | 68 | 98 (stronger) |
| Funding & liquidity | 84 (stronger) | 60 |
| Problem-loan coverage | 93 | 96 (stronger) |
| Peer percentile | 40th | 74th |
| Total assets | $329.0M | $1.3B |
| Deposits / shares | $297.4M | $1.2B |
| Capital ratio | 8.63% | 9.37% (stronger) |
| Problem loans | 0.26% (stronger) | 0.34% |
| Net charge-offs | 0.09% | 0.07% (stronger) |
| Return on assets | 1.21% | 1.96% (stronger) |
| Loans ÷ deposits | 55.2% (stronger) | 71.3% |
| Uninsured deposits | 29.9% (stronger) | 40.9% |
| Offices | 1 | 19 |
| CFPB complaints (3 yrs) | — | 124 |
| Complaints per $1B deposits | — | 103.3 |
| Mortgage denial rate (HMDA) | — | 2.6% |
Security Bank & Trust Company has the higher TellerScore (74 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust Co. leads on 3 and Security Bank & Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.