Side-by-side · Q2 2026 data
Citizens Bank & Trust Company vs Red River Bank
Metric by metric
| Measure | Citizens Bank & Trust Company | Red River Bank |
|---|---|---|
| TellerScore | 41 | 82 (stronger) |
| Capital cushion | 61 | 75 (stronger) |
| Loan quality | 0 | 96 (stronger) |
| Earnings | 45 | 78 (stronger) |
| Funding & liquidity | 84 (stronger) | 65 |
| Problem-loan coverage | 15 | 99 (stronger) |
| Peer percentile | 3rd | 93rd |
| Total assets | $183.7M | $3.3B |
| Deposits / shares | $162.2M | $2.9B |
| Capital ratio | 11.14% | 12.49% (stronger) |
| Problem loans | 7.15% | 0.11% (stronger) |
| Net charge-offs | 0.20% | 0.01% (stronger) |
| Return on assets | 0.63% | 1.46% (stronger) |
| Loans ÷ deposits | 70.3% (stronger) | 76.9% |
| Uninsured deposits | 20.1% (stronger) | 31.7% |
| Offices | 5 | 28 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.4% |
Red River Bank has the higher TellerScore (82 vs 41). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust Company leads on 2 and Red River Bank on 5. 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.