Side-by-side · Q2 2026 data
Citizens' Bank & Trust Co. vs Arkansas Best Federal Credit Union
Credit union
Arkansas Best Federal Credit Union
Fort Smith, Arkansas · $100 million – $1 billion
Metric by metric
| Measure | Citizens' Bank & Trust Co. | Arkansas Best Federal Credit Union |
|---|---|---|
| TellerScore | 82 | 84 (stronger) |
| Capital cushion | 68 | 100 (stronger) |
| Loan quality | 93 (stronger) | 79 |
| Earnings | 82 (stronger) | 50 |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 82nd | 86th |
| Total assets | $566.4M | $144.0M |
| Deposits / shares | $503.2M | $120.4M |
| Capital ratio | 11.78% | 16.32% (stronger) |
| Problem loans | 0.20% (stronger) | 0.62% |
| Net charge-offs | 0.10% (stronger) | 0.57% |
| Return on assets | 1.55% (stronger) | 0.75% |
| Loans ÷ deposits | 60.8% | 47.1% (stronger) |
| Uninsured deposits | 31.2% | 2.9% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Arkansas Best Federal Credit Union has the higher TellerScore (84 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Citizens' Bank & Trust Co. leads on 3 and Arkansas Best Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.