Side-by-side · Q2 2026 data
Citizens Community Bank vs Vidalia Federal Savings Bank
Metric by metric
| Measure | Citizens Community Bank | Vidalia Federal Savings Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 64 |
| Capital cushion | 39 | 70 (stronger) |
| Loan quality | 70 | 74 (stronger) |
| Earnings | 78 (stronger) | 0 |
| Funding & liquidity | 88 | 100 (stronger) |
| Problem-loan coverage | 85 | 94 (stronger) |
| Peer percentile | 34th | 26th |
| Total assets | $221.9M | $212.0M |
| Deposits / shares | $200.0M | $164.3M |
| Capital ratio | 8.94% | 12.05% (stronger) |
| Problem loans | 0.89% | 0.79% (stronger) |
| Net charge-offs | 0.08% | 0.00% (stronger) |
| Return on assets | 1.45% (stronger) | -0.80% |
| Loans ÷ deposits | 67.4% | 59.1% (stronger) |
| Uninsured deposits | 19.5% | 8.0% (stronger) |
| Offices | 4 | 2 |
| 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 2 and Vidalia Federal Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.