Side-by-side · Q2 2026 data
Citizens Bank vs Community Bank
Metric by metric
| Measure | Citizens Bank | Community Bank |
|---|---|---|
| TellerScore | 60 | 82 (stronger) |
| Capital cushion | 19 | 69 (stronger) |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 52 | 100 (stronger) |
| Funding & liquidity | 60 (stronger) | 44 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 19th | 82nd |
| Total assets | $488.8M | $315.5M |
| Deposits / shares | $441.6M | $277.8M |
| Capital ratio | 6.90% | 11.95% (stronger) |
| Problem loans | 0.02% | 0.00% (stronger) |
| Net charge-offs | -0.02% (stronger) | -0.01% |
| Return on assets | 0.79% | 2.92% (stronger) |
| Loans ÷ deposits | 72.2% (stronger) | 88.7% |
| Uninsured deposits | 40.1% | 39.8% (stronger) |
| Offices | 10 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.1% |
Community Bank has the higher TellerScore (82 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 2 and Community Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.