Side-by-side · Q2 2026 data
Citizens' Bank & Trust Co. vs Grand Savings Bank
Metric by metric
| Measure | Citizens' Bank & Trust Co. | Grand Savings Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 80 |
| Capital cushion | 68 | 70 (stronger) |
| Loan quality | 93 (stronger) | 79 |
| Earnings | 82 | 100 (stronger) |
| Funding & liquidity | 81 (stronger) | 64 |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 82nd | 90th |
| Total assets | $566.4M | $1.0B |
| Deposits / shares | $503.2M | $897.8M |
| Capital ratio | 11.78% | 11.97% (stronger) |
| Problem loans | 0.20% (stronger) | 0.63% |
| Net charge-offs | 0.10% | -0.00% (stronger) |
| Return on assets | 1.55% | 2.19% (stronger) |
| Loans ÷ deposits | 60.8% (stronger) | 92.7% |
| Uninsured deposits | 31.2% | 18.4% (stronger) |
| Offices | 6 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.9% |
Citizens' Bank & Trust Co. has the higher TellerScore (82 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Citizens' Bank & Trust Co. leads on 3 and Grand Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.