Side-by-side · Q2 2026 data
Citizens Bank & Trust Company vs Auburn State Bank
Metric by metric
| Measure | Citizens Bank & Trust Company | Auburn State Bank |
|---|---|---|
| TellerScore | 54 | 91 (stronger) |
| Capital cushion | 64 | 100 (stronger) |
| Loan quality | 19 | 100 (stronger) |
| Earnings | 56 | 68 (stronger) |
| Funding & liquidity | 80 | 85 (stronger) |
| Problem-loan coverage | 68 | 100 (stronger) |
| Peer percentile | 10th | 96th |
| Total assets | $242.3M | $251.3M |
| Deposits / shares | $199.8M | $216.9M |
| Capital ratio | 11.45% | 15.07% (stronger) |
| Problem loans | 2.42% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 0.89% | 1.19% (stronger) |
| Loans ÷ deposits | 80.1% | 49.9% (stronger) |
| Uninsured deposits | 4.1% (stronger) | 29.1% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.4% | — |
Auburn State Bank has the higher TellerScore (91 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust Company leads on 1 and Auburn State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.