Side-by-side · Q2 2026 data
Citizens Community Bank vs Embassy National Bank
Metric by metric
| Measure | Citizens Community Bank | Embassy National Bank |
|---|---|---|
| TellerScore | 67 | 74 (stronger) |
| Capital cushion | 39 | 60 (stronger) |
| Loan quality | 70 | 100 (stronger) |
| Earnings | 78 | 81 (stronger) |
| Funding & liquidity | 88 (stronger) | 33 |
| Problem-loan coverage | 85 | 100 (stronger) |
| Peer percentile | 34th | 57th |
| Total assets | $221.9M | $227.9M |
| Deposits / shares | $200.0M | $198.8M |
| Capital ratio | 8.94% | 10.95% (stronger) |
| Problem loans | 0.89% | 0.00% (stronger) |
| Net charge-offs | 0.08% | 0.00% (stronger) |
| Return on assets | 1.45% | 1.52% (stronger) |
| Loans ÷ deposits | 67.4% (stronger) | 86.2% |
| Uninsured deposits | 19.5% (stronger) | 52.1% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Embassy National Bank has the higher TellerScore (74 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Citizens Community Bank leads on 2 and Embassy National Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.