Side-by-side · Q2 2026 data
Citizens' Bank & Trust Co. vs Fidelity Bank
Metric by metric
| Measure | Citizens' Bank & Trust Co. | Fidelity Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 78 |
| Capital cushion | 68 | 81 (stronger) |
| Loan quality | 93 (stronger) | 75 |
| Earnings | 82 (stronger) | 71 |
| Funding & liquidity | 81 (stronger) | 75 |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 82nd | 72nd |
| Total assets | $566.4M | $546.8M |
| Deposits / shares | $503.2M | $496.3M |
| Capital ratio | 11.78% | 13.07% (stronger) |
| Problem loans | 0.20% (stronger) | 0.74% |
| Net charge-offs | 0.10% | 0.00% (stronger) |
| Return on assets | 1.55% (stronger) | 1.28% |
| Loans ÷ deposits | 60.8% | 51.1% (stronger) |
| Uninsured deposits | 31.2% (stronger) | 37.5% |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.3% |
Citizens' Bank & Trust Co. has the higher TellerScore (82 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Citizens' Bank & Trust Co. leads on 4 and Fidelity Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.