Side-by-side · Q2 2026 data
Citizens Bank vs First Federal Savings Bank
Metric by metric
| Measure | Citizens Bank | First Federal Savings Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 56 |
| Capital cushion | 48 (stronger) | 43 |
| Loan quality | 97 (stronger) | 69 |
| Earnings | 59 | 59 |
| Funding & liquidity | 68 (stronger) | 36 |
| Problem-loan coverage | 99 (stronger) | 84 |
| Peer percentile | 47th | 13th |
| Total assets | $690.6M | $686.6M |
| Deposits / shares | $622.8M | $540.4M |
| Capital ratio | 9.78% (stronger) | 9.31% |
| Problem loans | 0.09% (stronger) | 0.94% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 0.98% (stronger) | 0.97% |
| Loans ÷ deposits | 74.1% (stronger) | 108.8% |
| Uninsured deposits | 31.0% | 28.4% (stronger) |
| Offices | 9 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.6% | 1.8% |
Citizens Bank has the higher TellerScore (71 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 5 and First Federal Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.