Side-by-side · Q2 2026 data
Citizens Bank vs Centennial Bank
Metric by metric
| Measure | Citizens Bank | Centennial Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 79 |
| Capital cushion | 51 | 76 (stronger) |
| Loan quality | 100 (stronger) | 82 |
| Earnings | 100 | 100 |
| Funding & liquidity | 80 (stronger) | 40 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 82nd | 94th |
| Total assets | $309.8M | $24.6B |
| Deposits / shares | $273.4M | $19.6B |
| Capital ratio | 10.07% | 12.61% (stronger) |
| Problem loans | 0.01% (stronger) | 0.55% |
| Net charge-offs | 0.00% (stronger) | 0.07% |
| Return on assets | 2.27% (stronger) | 2.13% |
| Loans ÷ deposits | 63.5% (stronger) | 85.4% |
| Uninsured deposits | 30.2% (stronger) | 46.7% |
| Offices | 4 | 225 |
| CFPB complaints (3 yrs) | — | 55 |
| Complaints per $1B deposits | — | 2.8 |
| Mortgage denial rate (HMDA) | — | 23.4% |
Citizens Bank has the higher TellerScore (82 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 6 and Centennial Bank on 1. 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
- Amarillo, TX
- Tulia, TX