Side-by-side · Q2 2026 data
Citizens Bank vs Legends Bank
Metric by metric
| Measure | Citizens Bank | Legends Bank |
|---|---|---|
| TellerScore | 92 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 50 |
| Loan quality | 79 | 100 (stronger) |
| Earnings | 100 (stronger) | 62 |
| Funding & liquidity | 82 (stronger) | 56 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 97th | 47th |
| Total assets | $832.5M | $927.7M |
| Deposits / shares | $716.0M | $824.1M |
| Capital ratio | 16.29% (stronger) | 9.98% |
| Problem loans | 0.62% | 0.00% (stronger) |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 2.05% (stronger) | 1.04% |
| Loans ÷ deposits | 64.4% (stronger) | 80.4% |
| Uninsured deposits | 27.2% (stronger) | 36.2% |
| Offices | 7 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.4% |
Citizens Bank has the higher TellerScore (92 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 5 and Legends Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.