Side-by-side · Q2 2026 data
Citizens Bank & Trust Company vs Garfield County Bank
Metric by metric
| Measure | Citizens Bank & Trust Company | Garfield County Bank |
|---|---|---|
| TellerScore | 49 | 64 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 0 | 0 |
| Earnings | 77 (stronger) | 72 |
| Funding & liquidity | 83 | 99 (stronger) |
| Problem-loan coverage | 67 (stronger) | 52 |
| Peer percentile | 6th | 26th |
| Total assets | $155.4M | $108.0M |
| Deposits / shares | $127.2M | $90.6M |
| Capital ratio | 9.92% | 15.82% (stronger) |
| Problem loans | 3.15% (stronger) | 8.42% |
| Net charge-offs | 0.00% (stronger) | 0.25% |
| Return on assets | 1.43% (stronger) | 1.30% |
| Loans ÷ deposits | 74.2% | 52.4% (stronger) |
| Uninsured deposits | 18.3% | 15.9% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Garfield County Bank has the higher TellerScore (64 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust Company leads on 3 and Garfield County Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.