Side-by-side · Q2 2026 data
Citizens Bank vs Bankers' Bank
Metric by metric
| Measure | Citizens Bank | Bankers' Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 69 |
| Capital cushion | 86 | 97 (stronger) |
| Loan quality | 90 (stronger) | 82 |
| Earnings | 76 (stronger) | 56 |
| Funding & liquidity | 63 (stronger) | 0 |
| Problem-loan coverage | 97 (stronger) | 86 |
| Peer percentile | 94th | 53rd |
| Total assets | $1.2B | $1.5B |
| Deposits / shares | $996.0M | $951.9M |
| Capital ratio | 13.64% | 14.70% (stronger) |
| Problem loans | 0.30% (stronger) | 0.55% |
| Net charge-offs | 0.13% (stronger) | 0.31% |
| Return on assets | 1.39% (stronger) | 0.91% |
| Loans ÷ deposits | 75.3% (stronger) | 116.2% |
| Uninsured deposits | 34.2% (stronger) | 63.5% |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.9% | 13.0% |
Citizens Bank has the higher TellerScore (83 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 6 and Bankers' Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.