Side-by-side · Q2 2026 data
Citizens Bank & Trust Company vs Adams County Bank
Metric by metric
| Measure | Citizens Bank & Trust Company | Adams County Bank |
|---|---|---|
| TellerScore | 54 | 83 (stronger) |
| Capital cushion | 64 | 68 (stronger) |
| Loan quality | 19 | 100 (stronger) |
| Earnings | 56 | 95 (stronger) |
| Funding & liquidity | 80 (stronger) | 55 |
| Problem-loan coverage | 68 | 100 (stronger) |
| Peer percentile | 10th | 84th |
| Total assets | $242.3M | $241.1M |
| Deposits / shares | $199.8M | $154.6M |
| Capital ratio | 11.45% | 11.82% (stronger) |
| Problem loans | 2.42% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 0.89% | 1.86% (stronger) |
| Loans ÷ deposits | 80.1% (stronger) | 99.2% |
| Uninsured deposits | 4.1% (stronger) | 20.6% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.4% | — |
Adams County Bank has the higher TellerScore (83 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust Company leads on 2 and Adams County Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.