Side-by-side · Q2 2026 data
Citizens Bank & Trust Company vs Bank of Bozeman
Metric by metric
| Measure | Citizens Bank & Trust Company | Bank of Bozeman |
|---|---|---|
| TellerScore | 49 | 68 (stronger) |
| Capital cushion | 49 | 52 (stronger) |
| Loan quality | 0 | 87 (stronger) |
| Earnings | 77 (stronger) | 54 |
| Funding & liquidity | 83 (stronger) | 69 |
| Problem-loan coverage | 67 | 95 (stronger) |
| Peer percentile | 6th | 37th |
| Total assets | $155.4M | $108.4M |
| Deposits / shares | $127.2M | $96.4M |
| Capital ratio | 9.92% | 10.20% (stronger) |
| Problem loans | 3.15% | 0.39% (stronger) |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 1.43% (stronger) | 0.84% |
| Loans ÷ deposits | 74.2% (stronger) | 81.0% |
| Uninsured deposits | 18.3% (stronger) | 24.5% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Bozeman has the higher TellerScore (68 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust Company leads on 3 and Bank of Bozeman on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.