Side-by-side · Q2 2026 data
Citizens Bank vs First United Bank
Metric by metric
| Measure | Citizens Bank | First United Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 77 |
| Capital cushion | 51 | 62 (stronger) |
| Loan quality | 100 (stronger) | 86 |
| Earnings | 100 | 100 |
| Funding & liquidity | 80 (stronger) | 51 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 82nd | 83rd |
| Total assets | $309.8M | $2.4B |
| Deposits / shares | $273.4M | $2.1B |
| Capital ratio | 10.07% | 11.17% (stronger) |
| Problem loans | 0.01% (stronger) | 0.41% |
| Net charge-offs | 0.00% (stronger) | 0.10% |
| Return on assets | 2.27% (stronger) | 2.03% |
| Loans ÷ deposits | 63.5% (stronger) | 69.8% |
| Uninsured deposits | 30.2% (stronger) | 50.2% |
| Offices | 4 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.9% |
Citizens Bank has the higher TellerScore (82 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 6 and First United 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.