Side-by-side · Q2 2026 data
Citizens' Bank, Inc. vs North Alabama Bank
Metric by metric
| Measure | Citizens' Bank, Inc. | North Alabama Bank |
|---|---|---|
| TellerScore | 77 | 80 (stronger) |
| Capital cushion | 60 | 67 (stronger) |
| Loan quality | 95 | 95 |
| Earnings | 66 | 81 (stronger) |
| Funding & liquidity | 83 (stronger) | 70 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 68th | 77th |
| Total assets | $158.9M | $178.6M |
| Deposits / shares | $143.1M | $156.0M |
| Capital ratio | 11.00% | 11.73% (stronger) |
| Problem loans | 0.14% (stronger) | 0.15% |
| Net charge-offs | 0.04% (stronger) | 0.05% |
| Return on assets | 1.16% | 1.53% (stronger) |
| Loans ÷ deposits | 59.1% (stronger) | 88.4% |
| Uninsured deposits | 30.4% | 16.1% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.6% |
North Alabama Bank has the higher TellerScore (80 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Citizens' Bank, Inc. leads on 3 and North Alabama Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.