Side-by-side · Q2 2026 data
Citizens Bank vs Farmers Bank and Trust Company
Metric by metric
| Measure | Citizens Bank | Farmers Bank and Trust Company |
|---|---|---|
| TellerScore | 60 | 76 (stronger) |
| Capital cushion | 31 | 45 (stronger) |
| Loan quality | 68 | 99 (stronger) |
| Earnings | 83 | 85 (stronger) |
| Funding & liquidity | 61 | 72 (stronger) |
| Problem-loan coverage | 76 | 99 (stronger) |
| Peer percentile | 19th | 64th |
| Total assets | $250.4M | $247.8M |
| Deposits / shares | $221.6M | $215.1M |
| Capital ratio | 8.09% | 9.46% (stronger) |
| Problem loans | 0.96% | 0.04% (stronger) |
| Net charge-offs | 0.04% | 0.01% (stronger) |
| Return on assets | 1.57% | 1.63% (stronger) |
| Loans ÷ deposits | 96.1% | 86.5% (stronger) |
| Uninsured deposits | 17.5% | 16.3% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers Bank and Trust Company has the higher TellerScore (76 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 0 and Farmers Bank and Trust Company on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.