Side-by-side · Q2 2026 data
Citizens Bank vs Midwest Independent BankersBank
Metric by metric
| Measure | Citizens Bank | Midwest Independent BankersBank |
|---|---|---|
| TellerScore | 54 | 83 (stronger) |
| Capital cushion | 81 | 100 (stronger) |
| Loan quality | 2 | 100 (stronger) |
| Earnings | 73 | 75 (stronger) |
| Funding & liquidity | 52 (stronger) | 19 |
| Problem-loan coverage | 65 | 100 (stronger) |
| Peer percentile | 10th | 84th |
| Total assets | $357.4M | $341.4M |
| Deposits / shares | $305.4M | $259.4M |
| Capital ratio | 13.10% | 15.26% (stronger) |
| Problem loans | 2.95% | 0.00% (stronger) |
| Net charge-offs | 0.00% | -0.07% (stronger) |
| Return on assets | 1.33% | 1.38% (stronger) |
| Loans ÷ deposits | 101.2% | 92.1% (stronger) |
| Uninsured deposits | 21.3% (stronger) | 59.1% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Midwest Independent BankersBank has the higher TellerScore (83 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 1 and Midwest Independent BankersBank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.