Side-by-side · Q2 2026 data
Citizens Bank and Trust Company vs New Horizon Bank, National Association
Metric by metric
| Measure | Citizens Bank and Trust Company | New Horizon Bank, National Association |
|---|---|---|
| TellerScore | 97 (stronger) | 60 |
| Capital cushion | 100 (stronger) | 58 |
| Loan quality | 92 | 95 (stronger) |
| Earnings | 100 (stronger) | 4 |
| Funding & liquidity | 93 (stronger) | 52 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 100th | 19th |
| Total assets | $577.6M | $359.3M |
| Deposits / shares | $485.5M | $286.4M |
| Capital ratio | 15.39% (stronger) | 10.81% |
| Problem loans | 0.23% | 0.15% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.27% |
| Return on assets | 2.11% (stronger) | -0.39% |
| Loans ÷ deposits | 58.7% (stronger) | 64.2% |
| Uninsured deposits | 21.9% (stronger) | 55.2% |
| Offices | 12 | 3 |
| 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 60). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank and Trust Company leads on 6 and New Horizon Bank, National Association on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Powhatan, VA