Side-by-side · Q2 2026 data
Citizens Trust Bank vs First American Bank and Trust Company
Metric by metric
| Measure | Citizens Trust Bank | First American Bank and Trust Company |
|---|---|---|
| TellerScore | 71 | 86 (stronger) |
| Capital cushion | 82 | 83 (stronger) |
| Loan quality | 46 | 100 (stronger) |
| Earnings | 83 | 99 (stronger) |
| Funding & liquidity | 63 (stronger) | 44 |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 47th | 90th |
| Total assets | $790.3M | $901.9M |
| Deposits / shares | $678.1M | $753.2M |
| Capital ratio | 13.24% | 13.34% (stronger) |
| Problem loans | 1.63% | 0.00% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.58% | 1.98% (stronger) |
| Loans ÷ deposits | 56.8% (stronger) | 93.1% |
| Uninsured deposits | 48.1% | 36.3% (stronger) |
| Offices | 7 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.5% |
First American Bank and Trust Company has the higher TellerScore (86 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Citizens Trust Bank leads on 1 and First American Bank and Trust Company on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.