Side-by-side · Q2 2026 data
Citizens Bank vs People's Bank of Commerce
Metric by metric
| Measure | Citizens Bank | People's Bank of Commerce |
|---|---|---|
| TellerScore | 78 | 78 |
| Capital cushion | 89 | 100 (stronger) |
| Loan quality | 99 (stronger) | 70 |
| Earnings | 27 | 73 (stronger) |
| Funding & liquidity | 77 (stronger) | 48 |
| Problem-loan coverage | 100 (stronger) | 91 |
| Peer percentile | 72nd | 72nd |
| Total assets | $823.4M | $776.7M |
| Deposits / shares | $702.5M | $618.2M |
| Capital ratio | 13.88% | 15.33% (stronger) |
| Problem loans | 0.04% (stronger) | 0.90% |
| Net charge-offs | 0.00% (stronger) | 0.21% |
| Return on assets | 0.18% | 1.34% (stronger) |
| Loans ÷ deposits | 54.5% (stronger) | 95.9% |
| Uninsured deposits | 36.3% | 29.2% (stronger) |
| Offices | 14 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 3 and People's Bank of Commerce on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.