Side-by-side · Q2 2026 data
Citizens Bank vs Covington County Bank
Metric by metric
| Measure | Citizens Bank | Covington County Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 77 |
| Capital cushion | 85 | 88 (stronger) |
| Loan quality | 89 (stronger) | 67 |
| Earnings | 100 (stronger) | 77 |
| Funding & liquidity | 86 (stronger) | 74 |
| Problem-loan coverage | 96 (stronger) | 78 |
| Peer percentile | 95th | 68th |
| Total assets | $466.3M | $109.2M |
| Deposits / shares | $401.3M | $93.9M |
| Capital ratio | 13.48% | 13.76% (stronger) |
| Problem loans | 0.33% (stronger) | 0.99% |
| Net charge-offs | 0.26% | 0.01% (stronger) |
| Return on assets | 2.40% (stronger) | 1.42% |
| Loans ÷ deposits | 73.2% (stronger) | 86.1% |
| Uninsured deposits | 16.0% | 12.8% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | — |
Citizens Bank has the higher TellerScore (90 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 4 and Covington County Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Seminary, MS