Side-by-side · Q2 2026 data
Citizens Bank vs The Commercial Bank of Grayson
Metric by metric
| Measure | Citizens Bank | The Commercial Bank of Grayson |
|---|---|---|
| TellerScore | 60 (stronger) | 49 |
| Capital cushion | 31 | 60 (stronger) |
| Loan quality | 68 (stronger) | 0 |
| Earnings | 83 (stronger) | 59 |
| Funding & liquidity | 61 | 88 (stronger) |
| Problem-loan coverage | 76 (stronger) | 64 |
| Peer percentile | 19th | 6th |
| Total assets | $250.4M | $242.0M |
| Deposits / shares | $221.6M | $215.4M |
| Capital ratio | 8.09% | 11.01% (stronger) |
| Problem loans | 0.96% (stronger) | 3.03% |
| Net charge-offs | 0.04% (stronger) | 0.10% |
| Return on assets | 1.57% (stronger) | 0.98% |
| Loans ÷ deposits | 96.1% | 72.2% (stronger) |
| Uninsured deposits | 17.5% | 11.5% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank has the higher TellerScore (60 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 4 and The Commercial Bank of Grayson on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.