Side-by-side · Q2 2026 data
Citizens Bank vs Homeland Community Bank
Metric by metric
| Measure | Citizens Bank | Homeland Community Bank |
|---|---|---|
| TellerScore | 92 (stronger) | 67 |
| Capital cushion | 100 (stronger) | 35 |
| Loan quality | 79 | 88 (stronger) |
| Earnings | 100 (stronger) | 56 |
| Funding & liquidity | 82 | 93 (stronger) |
| Problem-loan coverage | 95 (stronger) | 92 |
| Peer percentile | 97th | 34th |
| Total assets | $832.5M | $244.1M |
| Deposits / shares | $716.0M | $227.2M |
| Capital ratio | 16.29% (stronger) | 8.46% |
| Problem loans | 0.62% | 0.36% (stronger) |
| Net charge-offs | 0.01% | 0.01% (stronger) |
| Return on assets | 2.05% (stronger) | 0.91% |
| Loans ÷ deposits | 64.4% | 59.8% (stronger) |
| Uninsured deposits | 27.2% | 21.6% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank has the higher TellerScore (92 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 3 and Homeland Community Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.