Side-by-side · Q2 2026 data
Citizens Independent Bank vs Gateway Bank
Metric by metric
| Measure | Citizens Independent Bank | Gateway Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 71 |
| Capital cushion | 73 (stronger) | 34 |
| Loan quality | 95 | 100 (stronger) |
| Earnings | 41 | 74 (stronger) |
| Funding & liquidity | 77 (stronger) | 72 |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 61st | 47th |
| Total assets | $314.2M | $319.5M |
| Deposits / shares | $267.0M | $269.7M |
| Capital ratio | 12.31% (stronger) | 8.39% |
| Problem loans | 0.14% | 0.00% (stronger) |
| Net charge-offs | 2.85% | 0.00% (stronger) |
| Return on assets | 0.53% | 1.36% (stronger) |
| Loans ÷ deposits | 77.5% (stronger) | 82.8% |
| Uninsured deposits | 20.1% | 19.7% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 6.7% |
Citizens Independent Bank has the higher TellerScore (75 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Citizens Independent Bank leads on 3 and Gateway Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.