Side-by-side · Q2 2026 data
Citizens Bank vs Security Financial Bank
Metric by metric
| Measure | Citizens Bank | Security Financial Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 61 |
| Capital cushion | 86 (stronger) | 47 |
| Loan quality | 90 (stronger) | 52 |
| Earnings | 76 | 85 (stronger) |
| Funding & liquidity | 63 (stronger) | 62 |
| Problem-loan coverage | 97 (stronger) | 79 |
| Peer percentile | 94th | 24th |
| Total assets | $1.2B | $1.0B |
| Deposits / shares | $996.0M | $827.5M |
| Capital ratio | 13.64% (stronger) | 9.67% |
| Problem loans | 0.30% (stronger) | 1.44% |
| Net charge-offs | 0.13% | 0.05% (stronger) |
| Return on assets | 1.39% | 1.64% (stronger) |
| Loans ÷ deposits | 75.3% (stronger) | 90.3% |
| Uninsured deposits | 34.2% | 22.0% (stronger) |
| Offices | 11 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.9% | 8.0% |
Citizens Bank has the higher TellerScore (83 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 4 and Security Financial Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.