Side-by-side · Q2 2026 data
Citizens Bank vs RiverHills Bank
Metric by metric
| Measure | Citizens Bank | RiverHills Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 82 |
| Capital cushion | 85 (stronger) | 75 |
| Loan quality | 89 (stronger) | 79 |
| Earnings | 100 | 100 |
| Funding & liquidity | 86 (stronger) | 66 |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 95th | 82nd |
| Total assets | $466.3M | $445.2M |
| Deposits / shares | $401.3M | $387.6M |
| Capital ratio | 13.48% (stronger) | 12.54% |
| Problem loans | 0.33% (stronger) | 0.64% |
| Net charge-offs | 0.26% | -0.11% (stronger) |
| Return on assets | 2.40% (stronger) | 2.07% |
| Loans ÷ deposits | 73.2% | 66.5% (stronger) |
| Uninsured deposits | 16.0% (stronger) | 40.3% |
| Offices | 8 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | 9.1% |
Citizens Bank has the higher TellerScore (90 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 5 and RiverHills Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.