Side-by-side · Q2 2026 data
Citizens Bank vs First Southern Bank
Metric by metric
| Measure | Citizens Bank | First Southern Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 83 |
| Capital cushion | 85 (stronger) | 56 |
| Loan quality | 89 | 100 (stronger) |
| Earnings | 100 (stronger) | 95 |
| Funding & liquidity | 86 (stronger) | 79 |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 95th | 84th |
| Total assets | $466.3M | $317.3M |
| Deposits / shares | $401.3M | $271.4M |
| Capital ratio | 13.48% (stronger) | 10.57% |
| Problem loans | 0.33% | 0.00% (stronger) |
| Net charge-offs | 0.26% | 0.09% (stronger) |
| Return on assets | 2.40% (stronger) | 1.89% |
| Loans ÷ deposits | 73.2% | 54.2% (stronger) |
| Uninsured deposits | 16.0% (stronger) | 34.1% |
| Offices | 8 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | — |
Citizens Bank has the higher TellerScore (90 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 4 and First Southern Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.