Side-by-side · Q2 2026 data
Citizens Federal Savings and Loan Association vs The Peoples Savings Bank
Bank
Citizens Federal Savings and Loan Association
Bellefontaine, Ohio · $100 million – $1 billion
Metric by metric
| Measure | Citizens Federal Savings and Loan Association | The Peoples Savings Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 57 |
| Capital cushion | 59 (stronger) | 40 |
| Loan quality | 99 (stronger) | 71 |
| Earnings | 38 | 49 (stronger) |
| Funding & liquidity | 67 (stronger) | 63 |
| Problem-loan coverage | 100 (stronger) | 84 |
| Peer percentile | 43rd | 14th |
| Total assets | $186.1M | $189.3M |
| Deposits / shares | $161.3M | $172.5M |
| Capital ratio | 10.90% (stronger) | 8.96% |
| Problem loans | 0.03% (stronger) | 0.87% |
| Net charge-offs | 0.00% (stronger) | 0.09% |
| Return on assets | 0.45% | 0.72% (stronger) |
| Loans ÷ deposits | 91.1% | 90.5% (stronger) |
| Uninsured deposits | 16.6% (stronger) | 21.4% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Federal Savings and Loan Association has the higher TellerScore (70 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Citizens Federal Savings and Loan Association leads on 5 and The Peoples Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.