Side-by-side · Q2 2026 data
Citizens Bank & Trust Company vs State Nebraska Bank & Trust
Metric by metric
| Measure | Citizens Bank & Trust Company | State Nebraska Bank & Trust |
|---|---|---|
| TellerScore | 54 | 61 (stronger) |
| Capital cushion | 64 (stronger) | 59 |
| Loan quality | 19 | 46 (stronger) |
| Earnings | 56 | 68 (stronger) |
| Funding & liquidity | 80 (stronger) | 68 |
| Problem-loan coverage | 68 | 80 (stronger) |
| Peer percentile | 10th | 20th |
| Total assets | $242.3M | $244.0M |
| Deposits / shares | $199.8M | $203.8M |
| Capital ratio | 11.45% (stronger) | 10.89% |
| Problem loans | 2.42% | 1.61% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.06% |
| Return on assets | 0.89% | 1.20% (stronger) |
| Loans ÷ deposits | 80.1% | 79.2% (stronger) |
| Uninsured deposits | 4.1% (stronger) | 26.9% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.4% | — |
State Nebraska Bank & Trust has the higher TellerScore (61 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust Company leads on 3 and State Nebraska Bank & Trust on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.