Side-by-side · Q2 2026 data
Citizens' Bank & Trust Co. vs Cross Bank
Metric by metric
| Measure | Citizens' Bank & Trust Co. | Cross Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 54 |
| Capital cushion | 68 (stronger) | 55 |
| Loan quality | 93 (stronger) | 18 |
| Earnings | 82 | 97 (stronger) |
| Funding & liquidity | 81 (stronger) | 51 |
| Problem-loan coverage | 98 (stronger) | 62 |
| Peer percentile | 82nd | 10th |
| Total assets | $566.4M | $593.5M |
| Deposits / shares | $503.2M | $480.7M |
| Capital ratio | 11.78% (stronger) | 10.45% |
| Problem loans | 0.20% (stronger) | 2.47% |
| Net charge-offs | 0.10% | 0.01% (stronger) |
| Return on assets | 1.55% | 1.91% (stronger) |
| Loans ÷ deposits | 60.8% (stronger) | 97.7% |
| Uninsured deposits | 31.2% | 26.0% (stronger) |
| Offices | 6 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.2% |
Citizens' Bank & Trust Co. has the higher TellerScore (82 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Citizens' Bank & Trust Co. leads on 4 and Cross Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.