Side-by-side · Q2 2026 data
Citizens Bank & Trust Company vs Bank of the Bluegrass and Trust Company
Metric by metric
| Measure | Citizens Bank & Trust Company | Bank of the Bluegrass and Trust Company |
|---|---|---|
| TellerScore | 79 (stronger) | 75 |
| Capital cushion | 81 (stronger) | 58 |
| Loan quality | 81 | 99 (stronger) |
| Earnings | 69 | 74 (stronger) |
| Funding & liquidity | 75 (stronger) | 52 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 75th | 61st |
| Total assets | $383.4M | $407.0M |
| Deposits / shares | $333.9M | $346.0M |
| Capital ratio | 13.12% (stronger) | 10.80% |
| Problem loans | 0.57% | 0.03% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.24% | 1.35% (stronger) |
| Loans ÷ deposits | 60.6% (stronger) | 87.7% |
| Uninsured deposits | 37.0% | 33.7% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.7% |
Citizens Bank & Trust Company has the higher TellerScore (79 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust Company leads on 3 and Bank of the Bluegrass and Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.