Side-by-side · Q2 2026 data
Citizens Bank of Kentucky, Inc. vs Whitaker Bank
Metric by metric
| Measure | Citizens Bank of Kentucky, Inc. | Whitaker Bank |
|---|---|---|
| TellerScore | 79 | 84 (stronger) |
| Capital cushion | 85 (stronger) | 79 |
| Loan quality | 72 | 93 (stronger) |
| Earnings | 61 | 77 (stronger) |
| Funding & liquidity | 95 (stronger) | 80 |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 75th | 95th |
| Total assets | $669.9M | $1.9B |
| Deposits / shares | $571.0M | $1.6B |
| Capital ratio | 13.51% (stronger) | 12.89% |
| Problem loans | 0.85% | 0.21% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.06% |
| Return on assets | 1.04% | 1.42% (stronger) |
| Loans ÷ deposits | 59.8% (stronger) | 67.3% |
| Uninsured deposits | 20.0% (stronger) | 26.8% |
| Offices | 12 | 44 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | — |
Whitaker Bank has the higher TellerScore (84 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Kentucky, Inc. leads on 4 and Whitaker Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.