Side-by-side · Q2 2026 data
Citizens Independent Bank vs Neighborhood National Bank
Metric by metric
| Measure | Citizens Independent Bank | Neighborhood National Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 56 |
| Capital cushion | 73 (stronger) | 62 |
| Loan quality | 95 (stronger) | 23 |
| Earnings | 41 | 65 (stronger) |
| Funding & liquidity | 77 | 84 (stronger) |
| Problem-loan coverage | 93 (stronger) | 61 |
| Peer percentile | 61st | 13th |
| Total assets | $314.2M | $312.2M |
| Deposits / shares | $267.0M | $252.1M |
| Capital ratio | 12.31% (stronger) | 11.24% |
| Problem loans | 0.14% (stronger) | 2.31% |
| Net charge-offs | 2.85% | 0.00% (stronger) |
| Return on assets | 0.53% | 1.13% (stronger) |
| Loans ÷ deposits | 77.5% | 76.4% (stronger) |
| Uninsured deposits | 20.1% | 9.1% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 5.6% |
Citizens Independent Bank has the higher TellerScore (75 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Citizens Independent Bank leads on 3 and Neighborhood National Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.