Side-by-side · Q2 2026 data
Citizens First Bank vs Royal Bank
Metric by metric
| Measure | Citizens First Bank | Royal Bank |
|---|---|---|
| TellerScore | 75 | 79 (stronger) |
| Capital cushion | 53 | 55 (stronger) |
| Loan quality | 85 | 98 (stronger) |
| Earnings | 97 (stronger) | 79 |
| Funding & liquidity | 57 | 83 (stronger) |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 61st | 75th |
| Total assets | $344.5M | $816.1M |
| Deposits / shares | $283.1M | $723.1M |
| Capital ratio | 10.26% | 10.53% (stronger) |
| Problem loans | 0.44% | 0.06% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 1.93% (stronger) | 1.48% |
| Loans ÷ deposits | 89.1% | 76.8% (stronger) |
| Uninsured deposits | 28.3% | 11.9% (stronger) |
| Offices | 6 | 21 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.0% |
Royal Bank has the higher TellerScore (79 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Citizens First Bank leads on 2 and Royal Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Viroqua, WI