Side-by-side · Q2 2026 data
Citizens First Bank vs Cumberland Federal Bank, FSB
Metric by metric
| Measure | Citizens First Bank | Cumberland Federal Bank, FSB |
|---|---|---|
| TellerScore | 75 | 78 (stronger) |
| Capital cushion | 53 (stronger) | 51 |
| Loan quality | 85 | 94 (stronger) |
| Earnings | 97 (stronger) | 75 |
| Funding & liquidity | 57 | 99 (stronger) |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 61st | 72nd |
| Total assets | $344.5M | $341.6M |
| Deposits / shares | $283.1M | $287.5M |
| Capital ratio | 10.26% (stronger) | 10.06% |
| Problem loans | 0.44% | 0.19% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.93% (stronger) | 1.39% |
| Loans ÷ deposits | 89.1% | 60.9% (stronger) |
| Uninsured deposits | 28.3% | 14.4% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cumberland Federal Bank, FSB has the higher TellerScore (78 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Citizens First Bank leads on 3 and Cumberland Federal Bank, FSB on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.