Side-by-side · Q2 2026 data
Citizens Bank vs Citizens Savings Bank
Metric by metric
| Measure | Citizens Bank | Citizens Savings Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 81 |
| Capital cushion | 85 | 93 (stronger) |
| Loan quality | 89 (stronger) | 75 |
| Earnings | 100 (stronger) | 71 |
| Funding & liquidity | 86 (stronger) | 72 |
| Problem-loan coverage | 96 (stronger) | 91 |
| Peer percentile | 95th | 80th |
| Total assets | $466.3M | $329.1M |
| Deposits / shares | $401.3M | $282.4M |
| Capital ratio | 13.48% | 14.33% (stronger) |
| Problem loans | 0.33% (stronger) | 0.74% |
| Net charge-offs | 0.26% | 0.17% (stronger) |
| Return on assets | 2.40% (stronger) | 1.28% |
| Loans ÷ deposits | 73.2% (stronger) | 87.9% |
| Uninsured deposits | 16.0% | 11.0% (stronger) |
| Offices | 8 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | 6.7% |
Citizens Bank has the higher TellerScore (90 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 4 and Citizens Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.