Side-by-side · Q2 2026 data
Citizens Bank and Trust Company of Ardmore vs Mtc Federal Credit Union
Metric by metric
| Measure | Citizens Bank and Trust Company of Ardmore | Mtc Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 67 |
| Capital cushion | 56 | 77 (stronger) |
| Loan quality | 100 (stronger) | 70 |
| Earnings | 83 (stronger) | 25 |
| Funding & liquidity | 67 | 83 (stronger) |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 72nd | 41st |
| Total assets | $318.8M | $302.6M |
| Deposits / shares | $268.9M | $259.3M |
| Capital ratio | 10.60% | 12.73% (stronger) |
| Problem loans | 0.00% (stronger) | 0.90% |
| Net charge-offs | 0.00% (stronger) | 0.51% |
| Return on assets | 1.59% (stronger) | 0.13% |
| Loans ÷ deposits | 78.1% | 76.9% (stronger) |
| Uninsured deposits | 28.4% | 5.7% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.5% |
Citizens Bank and Trust Company of Ardmore has the higher TellerScore (78 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank and Trust Company of Ardmore leads on 4 and Mtc Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.