Side-by-side · Q2 2026 data
Citizens Bank vs One Bank of Tennessee
Metric by metric
| Measure | Citizens Bank | One Bank of Tennessee |
|---|---|---|
| TellerScore | 92 (stronger) | 79 |
| Capital cushion | 100 (stronger) | 41 |
| Loan quality | 79 | 100 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 82 (stronger) | 80 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 97th | 88th |
| Total assets | $832.5M | $1.7B |
| Deposits / shares | $716.0M | $1.5B |
| Capital ratio | 16.29% (stronger) | 9.09% |
| Problem loans | 0.62% | 0.01% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 2.05% | 2.16% (stronger) |
| Loans ÷ deposits | 64.4% (stronger) | 73.5% |
| Uninsured deposits | 27.2% | 20.9% (stronger) |
| Offices | 7 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.9% |
Citizens Bank has the higher TellerScore (92 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 4 and One Bank of Tennessee on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Cookeville, TN
- Sparta, TN