Side-by-side · Q2 2026 data
Citizens Bank & Trust Company vs First State Bank of Forsyth
Metric by metric
| Measure | Citizens Bank & Trust Company | First State Bank of Forsyth |
|---|---|---|
| TellerScore | 49 | 71 (stronger) |
| Capital cushion | 49 | 71 (stronger) |
| Loan quality | 0 | 44 (stronger) |
| Earnings | 77 | 91 (stronger) |
| Funding & liquidity | 83 | 84 (stronger) |
| Problem-loan coverage | 67 | 81 (stronger) |
| Peer percentile | 6th | 47th |
| Total assets | $155.4M | $165.5M |
| Deposits / shares | $127.2M | $143.4M |
| Capital ratio | 9.92% | 12.08% (stronger) |
| Problem loans | 3.15% | 1.69% (stronger) |
| Net charge-offs | 0.00% | -0.23% (stronger) |
| Return on assets | 1.43% | 1.77% (stronger) |
| Loans ÷ deposits | 74.2% | 62.3% (stronger) |
| Uninsured deposits | 18.3% (stronger) | 27.0% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of Forsyth has the higher TellerScore (71 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust Company leads on 1 and First State Bank of Forsyth on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.