Side-by-side · Q2 2026 data
Citizens Bank vs Citizens Tri-County Bank
Metric by metric
| Measure | Citizens Bank | Citizens Tri-County Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 70 |
| Capital cushion | 76 (stronger) | 43 |
| Loan quality | 62 | 75 (stronger) |
| Earnings | 98 (stronger) | 94 |
| Funding & liquidity | 54 | 75 (stronger) |
| Problem-loan coverage | 86 | 86 |
| Peer percentile | 77th | 58th |
| Total assets | $1.4B | $1.6B |
| Deposits / shares | $1.2B | $1.5B |
| Capital ratio | 12.65% (stronger) | 9.34% |
| Problem loans | 1.14% | 0.75% (stronger) |
| Net charge-offs | 0.47% | 0.05% (stronger) |
| Return on assets | 1.94% (stronger) | 1.85% |
| Loans ÷ deposits | 94.9% | 71.6% (stronger) |
| Uninsured deposits | 24.8% (stronger) | 27.3% |
| Offices | 13 | 20 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.7% | 11.3% |
Citizens Bank has the higher TellerScore (75 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 4 and Citizens Tri-County Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.