Side-by-side · Q2 2026 data
Citizens Bank vs Wellworth Bank
Metric by metric
| Measure | Citizens Bank | Wellworth Bank |
|---|---|---|
| TellerScore | 92 (stronger) | 60 |
| Capital cushion | 100 (stronger) | 49 |
| Loan quality | 79 (stronger) | 54 |
| Earnings | 100 (stronger) | 72 |
| Funding & liquidity | 82 (stronger) | 63 |
| Problem-loan coverage | 95 (stronger) | 82 |
| Peer percentile | 97th | 21st |
| Total assets | $832.5M | $1.8B |
| Deposits / shares | $716.0M | $1.5B |
| Capital ratio | 16.29% (stronger) | 9.92% |
| Problem loans | 0.62% (stronger) | 1.39% |
| Net charge-offs | 0.01% (stronger) | 0.04% |
| Return on assets | 2.05% (stronger) | 1.30% |
| Loans ÷ deposits | 64.4% (stronger) | 81.4% |
| Uninsured deposits | 27.2% (stronger) | 29.4% |
| Offices | 7 | 20 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.5% |
Citizens Bank has the higher TellerScore (92 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 7 and Wellworth Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Carthage, TN
- Cookeville, TN
- Gordonsville, TN