Side-by-side · Q2 2026 data
Citizens Federal Savings Bank vs Community Bank
Metric by metric
| Measure | Citizens Federal Savings Bank | Community Bank |
|---|---|---|
| TellerScore | 80 | 83 (stronger) |
| Capital cushion | 100 (stronger) | 65 |
| Loan quality | 95 (stronger) | 93 |
| Earnings | 28 | 100 (stronger) |
| Funding & liquidity | 70 | 70 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 77th | 84th |
| Total assets | $190.1M | $188.8M |
| Deposits / shares | $149.1M | $162.9M |
| Capital ratio | 20.08% (stronger) | 11.49% |
| Problem loans | 0.15% (stronger) | 0.22% |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 0.19% | 2.14% (stronger) |
| Loans ÷ deposits | 90.1% | 88.5% (stronger) |
| Uninsured deposits | 10.9% (stronger) | 16.9% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.4% |
Community Bank has the higher TellerScore (83 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Citizens Federal Savings Bank leads on 3 and Community Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.