Side-by-side · Q2 2026 data
Citizens Bank vs Crossroads Bank
Metric by metric
| Measure | Citizens Bank | Crossroads Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 57 |
| Capital cushion | 48 (stronger) | 45 |
| Loan quality | 97 (stronger) | 53 |
| Earnings | 59 | 65 (stronger) |
| Funding & liquidity | 68 (stronger) | 60 |
| Problem-loan coverage | 99 (stronger) | 78 |
| Peer percentile | 47th | 14th |
| Total assets | $690.6M | $616.1M |
| Deposits / shares | $622.8M | $548.8M |
| Capital ratio | 9.78% (stronger) | 9.49% |
| Problem loans | 0.09% (stronger) | 1.41% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 0.98% | 1.13% (stronger) |
| Loans ÷ deposits | 74.1% (stronger) | 82.0% |
| Uninsured deposits | 31.0% (stronger) | 31.0% |
| Offices | 9 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.6% | 4.7% |
Citizens Bank has the higher TellerScore (71 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 5 and Crossroads Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.