Side-by-side · Q2 2026 data
Citizens Bank of West Virginia, Inc. vs Highlands Bank
Metric by metric
| Measure | Citizens Bank of West Virginia, Inc. | Highlands Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 69 |
| Capital cushion | 50 | 60 (stronger) |
| Loan quality | 81 (stronger) | 70 |
| Earnings | 98 (stronger) | 71 |
| Funding & liquidity | 69 | 71 (stronger) |
| Problem-loan coverage | 91 (stronger) | 87 |
| Peer percentile | 57th | 40th |
| Total assets | $772.5M | $407.1M |
| Deposits / shares | $678.7M | $356.8M |
| Capital ratio | 10.00% | 11.00% (stronger) |
| Problem loans | 0.58% (stronger) | 0.91% |
| Net charge-offs | 0.38% | -0.00% (stronger) |
| Return on assets | 1.95% (stronger) | 1.27% |
| Loans ÷ deposits | 89.1% | 85.8% (stronger) |
| Uninsured deposits | 16.8% (stronger) | 18.3% |
| Offices | 9 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.7% |
Citizens Bank of West Virginia, Inc. has the higher TellerScore (74 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of West Virginia, Inc. leads on 4 and Highlands Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.