Side-by-side · Q2 2026 data
Citizens Bank vs Whitaker Bank
Metric by metric
| Measure | Citizens Bank | Whitaker Bank |
|---|---|---|
| TellerScore | 60 | 84 (stronger) |
| Capital cushion | 31 | 79 (stronger) |
| Loan quality | 68 | 93 (stronger) |
| Earnings | 83 (stronger) | 77 |
| Funding & liquidity | 61 | 80 (stronger) |
| Problem-loan coverage | 76 | 98 (stronger) |
| Peer percentile | 19th | 95th |
| Total assets | $250.4M | $1.9B |
| Deposits / shares | $221.6M | $1.6B |
| Capital ratio | 8.09% | 12.89% (stronger) |
| Problem loans | 0.96% | 0.21% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.06% |
| Return on assets | 1.57% (stronger) | 1.42% |
| Loans ÷ deposits | 96.1% | 67.3% (stronger) |
| Uninsured deposits | 17.5% (stronger) | 26.8% |
| Offices | 5 | 44 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Whitaker Bank has the higher TellerScore (84 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 3 and Whitaker Bank on 4. 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.
Where both have branches
- Berea, KY
- Mount Vernon, KY