Side-by-side · Q2 2026 data
Citizens Bank & Trust Co. vs Richton Bank & Trust Company
Metric by metric
| Measure | Citizens Bank & Trust Co. | Richton Bank & Trust Company |
|---|---|---|
| TellerScore | 53 | 90 (stronger) |
| Capital cushion | 90 | 100 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 57 (stronger) | 52 |
| Funding & liquidity | 65 | 100 (stronger) |
| Problem-loan coverage | 49 | 100 (stronger) |
| Peer percentile | 12th | 89th |
| Total assets | $98.6M | $52.0M |
| Deposits / shares | $83.0M | $43.1M |
| Capital ratio | 14.00% | 15.95% (stronger) |
| Problem loans | 5.50% | 0.00% (stronger) |
| Net charge-offs | 0.72% | 0.00% (stronger) |
| Return on assets | 0.92% (stronger) | 0.79% |
| Loans ÷ deposits | 83.2% | 47.4% (stronger) |
| Uninsured deposits | 25.8% | 10.5% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Richton Bank & Trust Company has the higher TellerScore (90 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust Co. leads on 1 and Richton Bank & Trust Company on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.