Side-by-side · Q2 2026 data
Citizens Trust Bank vs Oconee State Bank
Metric by metric
| Measure | Citizens Trust Bank | Oconee State Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 44 |
| Capital cushion | 82 (stronger) | 50 |
| Loan quality | 46 (stronger) | 6 |
| Earnings | 83 (stronger) | 53 |
| Funding & liquidity | 63 | 70 (stronger) |
| Problem-loan coverage | 86 (stronger) | 60 |
| Peer percentile | 47th | 4th |
| Total assets | $790.3M | $744.1M |
| Deposits / shares | $678.1M | $658.3M |
| Capital ratio | 13.24% (stronger) | 9.98% |
| Problem loans | 1.63% (stronger) | 2.83% |
| Net charge-offs | 0.04% | 0.02% (stronger) |
| Return on assets | 1.58% (stronger) | 0.81% |
| Loans ÷ deposits | 56.8% (stronger) | 81.6% |
| Uninsured deposits | 48.1% | 22.5% (stronger) |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.0% |
Citizens Trust Bank has the higher TellerScore (71 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Citizens Trust Bank leads on 5 and Oconee State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.