Side-by-side · Q2 2026 data
Citizens Savings Bank vs Northeast Security Bank
Metric by metric
| Measure | Citizens Savings Bank | Northeast Security Bank |
|---|---|---|
| TellerScore | 88 (stronger) | 77 |
| Capital cushion | 100 (stronger) | 58 |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 47 | 69 (stronger) |
| Funding & liquidity | 96 (stronger) | 72 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 92nd | 68th |
| Total assets | $151.1M | $461.9M |
| Deposits / shares | $129.2M | $379.1M |
| Capital ratio | 15.54% (stronger) | 10.77% |
| Problem loans | 0.05% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.25% |
| Return on assets | 0.67% | 1.22% (stronger) |
| Loans ÷ deposits | 52.1% (stronger) | 70.7% |
| Uninsured deposits | 18.6% (stronger) | 30.8% |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.4% |
Citizens Savings Bank has the higher TellerScore (88 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Citizens Savings Bank leads on 5 and Northeast Security Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.