Side-by-side · Q2 2026 data
Citizens Tri-County Bank vs Independent Bank
Metric by metric
| Measure | Citizens Tri-County Bank | Independent Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 67 |
| Capital cushion | 43 | 56 (stronger) |
| Loan quality | 75 (stronger) | 72 |
| Earnings | 94 (stronger) | 70 |
| Funding & liquidity | 75 (stronger) | 67 |
| Problem-loan coverage | 86 | 86 |
| Peer percentile | 58th | 44th |
| Total assets | $1.6B | $1.9B |
| Deposits / shares | $1.5B | $1.6B |
| Capital ratio | 9.34% | 10.60% (stronger) |
| Problem loans | 0.75% (stronger) | 0.85% |
| Net charge-offs | 0.05% (stronger) | 0.36% |
| Return on assets | 1.85% (stronger) | 1.26% |
| Loans ÷ deposits | 71.6% (stronger) | 81.4% |
| Uninsured deposits | 27.3% | 25.4% (stronger) |
| Offices | 20 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.3% | — |
Citizens Tri-County Bank has the higher TellerScore (70 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Citizens Tri-County Bank leads on 5 and Independent Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.