Side-by-side · Q2 2026 data
Citizens Bank vs Elizabethton Federal Savings Bank
Metric by metric
| Measure | Citizens Bank | Elizabethton Federal Savings Bank |
|---|---|---|
| TellerScore | 75 | 86 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 62 | 92 (stronger) |
| Earnings | 98 (stronger) | 66 |
| Funding & liquidity | 54 | 66 (stronger) |
| Problem-loan coverage | 86 | 99 (stronger) |
| Peer percentile | 77th | 90th |
| Total assets | $1.4B | $326.0M |
| Deposits / shares | $1.2B | $187.9M |
| Capital ratio | 12.65% | 42.27% (stronger) |
| Problem loans | 1.14% | 0.25% (stronger) |
| Net charge-offs | 0.47% | 0.00% (stronger) |
| Return on assets | 1.94% (stronger) | 1.14% |
| Loans ÷ deposits | 94.9% | 94.0% (stronger) |
| Uninsured deposits | 24.8% | 8.3% (stronger) |
| Offices | 13 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.7% | — |
Elizabethton Federal Savings Bank has the higher TellerScore (86 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 1 and Elizabethton Federal Savings Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.