Side-by-side · Q2 2026 data
Citizens' Bank & Trust Co. vs SSB Bank
Metric by metric
| Measure | Citizens' Bank & Trust Co. | SSB Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 80 |
| Capital cushion | 68 | 100 (stronger) |
| Loan quality | 93 | 97 (stronger) |
| Earnings | 82 (stronger) | 21 |
| Funding & liquidity | 81 (stronger) | 75 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 82nd | 77th |
| Total assets | $566.4M | $129.9M |
| Deposits / shares | $503.2M | $104.7M |
| Capital ratio | 11.78% | 17.01% (stronger) |
| Problem loans | 0.20% | 0.09% (stronger) |
| Net charge-offs | 0.10% | 0.05% (stronger) |
| Return on assets | 1.55% (stronger) | 0.03% |
| Loans ÷ deposits | 60.8% (stronger) | 82.2% |
| Uninsured deposits | 31.2% | 17.7% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
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 SSB Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.