Side-by-side · Q2 2026 data
Citizens Bank and Trust Company vs Locus Bank, Inc.
Metric by metric
| Measure | Citizens Bank and Trust Company | Locus Bank, Inc. |
|---|---|---|
| TellerScore | 97 (stronger) | 79 |
| Capital cushion | 100 | 100 |
| Loan quality | 92 (stronger) | 79 |
| Earnings | 100 (stronger) | 70 |
| Funding & liquidity | 93 (stronger) | 37 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 100th | 75th |
| Total assets | $577.6M | $359.4M |
| Deposits / shares | $485.5M | $259.3M |
| Capital ratio | 15.39% | 21.46% (stronger) |
| Problem loans | 0.23% (stronger) | 0.62% |
| Net charge-offs | -0.00% | -0.01% (stronger) |
| Return on assets | 2.11% (stronger) | 1.26% |
| Loans ÷ deposits | 58.7% (stronger) | 113.2% |
| Uninsured deposits | 21.9% (stronger) | 26.8% |
| Offices | 12 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.3% | — |
Citizens Bank and Trust Company has the higher TellerScore (97 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank and Trust Company leads on 5 and Locus Bank, Inc. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.