Side-by-side · Q2 2026 data
Citizens Bank vs Evergreen Federal Bank
Metric by metric
| Measure | Citizens Bank | Evergreen Federal Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 75 |
| Capital cushion | 89 (stronger) | 82 |
| Loan quality | 99 (stronger) | 79 |
| Earnings | 27 | 52 (stronger) |
| Funding & liquidity | 77 (stronger) | 70 |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 72nd | 61st |
| Total assets | $823.4M | $621.6M |
| Deposits / shares | $702.5M | $536.6M |
| Capital ratio | 13.88% (stronger) | 13.24% |
| Problem loans | 0.04% (stronger) | 0.63% |
| Net charge-offs | 0.00% (stronger) | 0.06% |
| Return on assets | 0.18% | 0.81% (stronger) |
| Loans ÷ deposits | 54.5% (stronger) | 90.4% |
| Uninsured deposits | 36.3% | 14.4% (stronger) |
| Offices | 14 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.8% |
Citizens Bank has the higher TellerScore (78 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 5 and Evergreen Federal Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.