Side-by-side · Q2 2026 data
Citizens Bank and Trust Company vs The Bank of Southside Virginia
Metric by metric
| Measure | Citizens Bank and Trust Company | The Bank of Southside Virginia |
|---|---|---|
| TellerScore | 97 | 97 |
| Capital cushion | 100 | 100 |
| Loan quality | 92 | 97 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 93 (stronger) | 87 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 100th | 100th |
| Total assets | $577.6M | $670.3M |
| Deposits / shares | $485.5M | $489.2M |
| Capital ratio | 15.39% | 23.38% (stronger) |
| Problem loans | 0.23% | 0.08% (stronger) |
| Net charge-offs | -0.00% | -0.01% (stronger) |
| Return on assets | 2.11% | 3.74% (stronger) |
| Loans ÷ deposits | 58.7% | 54.3% (stronger) |
| Uninsured deposits | 21.9% (stronger) | 27.3% |
| Offices | 12 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.3% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Citizens Bank and Trust Company leads on 1 and The Bank of Southside Virginia on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.