Side-by-side · Q2 2026 data
Citizens Community Bank vs Loyal Trust Bank
Metric by metric
| Measure | Citizens Community Bank | Loyal Trust Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 64 |
| Capital cushion | 39 | 58 (stronger) |
| Loan quality | 70 | 92 (stronger) |
| Earnings | 78 (stronger) | 30 |
| Funding & liquidity | 88 (stronger) | 56 |
| Problem-loan coverage | 85 | 87 (stronger) |
| Peer percentile | 34th | 26th |
| Total assets | $221.9M | $235.3M |
| Deposits / shares | $200.0M | $175.4M |
| Capital ratio | 8.94% | 10.77% (stronger) |
| Problem loans | 0.89% | 0.25% (stronger) |
| Net charge-offs | 0.08% | 0.00% (stronger) |
| Return on assets | 1.45% (stronger) | 0.26% |
| Loans ÷ deposits | 67.4% (stronger) | 94.8% |
| Uninsured deposits | 19.5% (stronger) | 23.5% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Community Bank has the higher TellerScore (67 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Citizens Community Bank leads on 4 and Loyal Trust Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.