Side-by-side · Q2 2026 data
Citizens Bank vs First Bank
Metric by metric
| Measure | Citizens Bank | First Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 74 |
| Capital cushion | 85 (stronger) | 80 |
| Loan quality | 89 (stronger) | 63 |
| Earnings | 100 (stronger) | 83 |
| Funding & liquidity | 86 (stronger) | 58 |
| Problem-loan coverage | 96 (stronger) | 86 |
| Peer percentile | 95th | 57th |
| Total assets | $466.3M | $562.9M |
| Deposits / shares | $401.3M | $484.6M |
| Capital ratio | 13.48% (stronger) | 12.96% |
| Problem loans | 0.33% (stronger) | 1.11% |
| Net charge-offs | 0.26% | -0.00% (stronger) |
| Return on assets | 2.40% (stronger) | 1.58% |
| Loans ÷ deposits | 73.2% (stronger) | 78.8% |
| Uninsured deposits | 16.0% (stronger) | 35.7% |
| Offices | 8 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | 8.4% |
Citizens Bank has the higher TellerScore (90 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 6 and First Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Hattiesburg, MS
- Magnolia, MS