Side-by-side · Q2 2026 data
Citizens Bank vs Commercial Bank
Metric by metric
| Measure | Citizens Bank | Commercial Bank |
|---|---|---|
| TellerScore | 60 | 77 (stronger) |
| Capital cushion | 31 | 66 (stronger) |
| Loan quality | 68 | 88 (stronger) |
| Earnings | 83 | 93 (stronger) |
| Funding & liquidity | 61 (stronger) | 49 |
| Problem-loan coverage | 76 | 95 (stronger) |
| Peer percentile | 19th | 83rd |
| Total assets | $250.4M | $2.4B |
| Deposits / shares | $221.6M | $1.9B |
| Capital ratio | 8.09% | 11.58% (stronger) |
| Problem loans | 0.96% | 0.35% (stronger) |
| Net charge-offs | 0.04% | -0.01% (stronger) |
| Return on assets | 1.57% | 1.82% (stronger) |
| Loans ÷ deposits | 96.1% (stronger) | 100.2% |
| Uninsured deposits | 17.5% (stronger) | 24.9% |
| Offices | 5 | 34 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.9% |
Commercial Bank has the higher TellerScore (77 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 2 and Commercial Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.