Side-by-side · Q2 2026 data
Citizens Bank of Kentucky, Inc. vs Bank of the Mountains, Inc.
Metric by metric
| Measure | Citizens Bank of Kentucky, Inc. | Bank of the Mountains, Inc. |
|---|---|---|
| TellerScore | 79 (stronger) | 64 |
| Capital cushion | 85 (stronger) | 42 |
| Loan quality | 72 | 81 (stronger) |
| Earnings | 61 (stronger) | 51 |
| Funding & liquidity | 95 (stronger) | 76 |
| Problem-loan coverage | 94 (stronger) | 92 |
| Peer percentile | 75th | 26th |
| Total assets | $669.9M | $100.0M |
| Deposits / shares | $571.0M | $88.0M |
| Capital ratio | 13.51% (stronger) | 9.23% |
| Problem loans | 0.85% | 0.57% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.09% |
| Return on assets | 1.04% (stronger) | 0.77% |
| Loans ÷ deposits | 59.8% (stronger) | 84.7% |
| Uninsured deposits | 20.0% | 13.8% (stronger) |
| Offices | 12 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | — |
Citizens Bank of Kentucky, Inc. has the higher TellerScore (79 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Kentucky, Inc. leads on 5 and Bank of the Mountains, Inc. on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.