Side-by-side · Q2 2026 data
Citizens Bank and Trust Company vs Atlantic Union Bank
Metric by metric
| Measure | Citizens Bank and Trust Company | Atlantic Union Bank |
|---|---|---|
| TellerScore | 97 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 64 |
| Loan quality | 92 (stronger) | 83 |
| Earnings | 100 (stronger) | 85 |
| Funding & liquidity | 93 (stronger) | 44 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 100th | 83rd |
| Total assets | $577.6M | $38.0B |
| Deposits / shares | $485.5M | $30.6B |
| Capital ratio | 15.39% (stronger) | 11.45% |
| Problem loans | 0.23% (stronger) | 0.50% |
| Net charge-offs | -0.00% (stronger) | 0.03% |
| Return on assets | 2.11% (stronger) | 1.62% |
| Loans ÷ deposits | 58.7% (stronger) | 92.9% |
| Uninsured deposits | 21.9% (stronger) | 36.4% |
| Offices | 12 | 177 |
| CFPB complaints (3 yrs) | — | 132 |
| Complaints per $1B deposits | — | 4.3 |
| Mortgage denial rate (HMDA) | 16.3% | 23.3% |
Citizens Bank and Trust Company has the higher TellerScore (97 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank and Trust Company leads on 7 and Atlantic Union Bank on 0. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.