Side-by-side · Q2 2026 data
Citizens Community Bank vs Pan American Bank & Trust
Metric by metric
| Measure | Citizens Community Bank | Pan American Bank & Trust |
|---|---|---|
| TellerScore | 31 | 59 (stronger) |
| Capital cushion | 48 (stronger) | 36 |
| Loan quality | 0 | 96 (stronger) |
| Earnings | 8 | 53 (stronger) |
| Funding & liquidity | 80 (stronger) | 22 |
| Problem-loan coverage | 33 | 98 (stronger) |
| Peer percentile | 1st | 17th |
| Total assets | $531.0M | $536.1M |
| Deposits / shares | $446.1M | $474.7M |
| Capital ratio | 9.83% (stronger) | 8.63% |
| Problem loans | 5.81% | 0.12% (stronger) |
| Net charge-offs | 0.87% | 0.00% (stronger) |
| Return on assets | -0.30% | 0.83% (stronger) |
| Loans ÷ deposits | 61.2% (stronger) | 90.8% |
| Uninsured deposits | 32.0% (stronger) | 57.9% |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.4% | — |
Pan American Bank & Trust has the higher TellerScore (59 vs 31). On the 7 directional measures above (where higher or lower is clearly better), Citizens Community Bank leads on 3 and Pan American Bank & Trust on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.