Side-by-side · Q2 2026 data
Citizens Bank of the South vs Touchmark National Bank
Metric by metric
| Measure | Citizens Bank of the South | Touchmark National Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 38 |
| Capital cushion | 69 | 81 (stronger) |
| Loan quality | 85 (stronger) | 0 |
| Earnings | 83 (stronger) | 38 |
| Funding & liquidity | 56 (stronger) | 27 |
| Problem-loan coverage | 95 (stronger) | 22 |
| Peer percentile | 64th | 2nd |
| Total assets | $395.1M | $416.9M |
| Deposits / shares | $345.6M | $356.4M |
| Capital ratio | 11.94% | 13.11% (stronger) |
| Problem loans | 0.45% (stronger) | 5.07% |
| Net charge-offs | 0.04% (stronger) | 0.13% |
| Return on assets | 1.58% (stronger) | 0.45% |
| Loans ÷ deposits | 86.8% (stronger) | 88.3% |
| Uninsured deposits | 30.8% (stronger) | 55.0% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank of the South has the higher TellerScore (76 vs 38). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of the South leads on 6 and Touchmark National Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.