Side-by-side · Q2 2026 data
Citizens Bank of Americus vs American Commerce Bank, National Association
Metric by metric
| Measure | Citizens Bank of Americus | American Commerce Bank, National Association |
|---|---|---|
| TellerScore | 77 (stronger) | 63 |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 97 (stronger) | 1 |
| Earnings | 83 | 91 (stronger) |
| Funding & liquidity | 72 (stronger) | 51 |
| Problem-loan coverage | 99 (stronger) | 73 |
| Peer percentile | 68th | 24th |
| Total assets | $511.1M | $495.7M |
| Deposits / shares | $453.9M | $392.1M |
| Capital ratio | 10.25% | 17.09% (stronger) |
| Problem loans | 0.09% (stronger) | 2.98% |
| Net charge-offs | -0.02% (stronger) | 0.09% |
| Return on assets | 1.58% | 1.79% (stronger) |
| Loans ÷ deposits | 58.8% (stronger) | 102.4% |
| Uninsured deposits | 40.4% | 21.4% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank of Americus has the higher TellerScore (77 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Americus leads on 4 and American Commerce Bank, National Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.