Side-by-side · Q2 2026 data
Citizens' Bank & Trust Co. vs River Town Federal Credit Union
Credit union
River Town Federal Credit Union
Fort Smith, Arkansas · Under $100 million in assets
Metric by metric
| Measure | Citizens' Bank & Trust Co. | River Town Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 76 |
| Capital cushion | 68 | 99 (stronger) |
| Loan quality | 93 (stronger) | 92 |
| Earnings | 82 (stronger) | 0 |
| Funding & liquidity | 81 | 92 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 82nd | 54th |
| Total assets | $566.4M | $15.2M |
| Deposits / shares | $503.2M | $12.9M |
| Capital ratio | 11.78% | 14.87% (stronger) |
| Problem loans | 0.20% (stronger) | 0.24% |
| Net charge-offs | 0.10% | 0.04% (stronger) |
| Return on assets | 1.55% (stronger) | -1.33% |
| Loans ÷ deposits | 60.8% (stronger) | 67.8% |
| Uninsured deposits | 31.2% | 0.0% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens' Bank & Trust Co. has the higher TellerScore (82 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Citizens' Bank & Trust Co. leads on 4 and River Town Federal Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.