Side-by-side · Q2 2026 data
Citizens Bank vs Union Bank & Trust Company
Metric by metric
| Measure | Citizens Bank | Union Bank & Trust Company |
|---|---|---|
| TellerScore | 92 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 79 |
| Loan quality | 79 (stronger) | 12 |
| Earnings | 100 | 100 |
| Funding & liquidity | 82 (stronger) | 77 |
| Problem-loan coverage | 95 (stronger) | 74 |
| Peer percentile | 97th | 28th |
| Total assets | $832.5M | $98.1M |
| Deposits / shares | $716.0M | $85.0M |
| Capital ratio | 16.29% (stronger) | 12.87% |
| Problem loans | 0.62% (stronger) | 2.63% |
| Net charge-offs | 0.01% (stronger) | 0.05% |
| Return on assets | 2.05% (stronger) | 2.02% |
| Loans ÷ deposits | 64.4% (stronger) | 78.4% |
| Uninsured deposits | 27.2% | 19.0% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank has the higher TellerScore (92 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 6 and Union Bank & Trust Company on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.