Side-by-side · Q2 2026 data
Citizens Trust Bank vs PromiseOne Bank
Metric by metric
| Measure | Citizens Trust Bank | PromiseOne Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 68 |
| Capital cushion | 82 (stronger) | 51 |
| Loan quality | 46 | 73 (stronger) |
| Earnings | 83 (stronger) | 81 |
| Funding & liquidity | 63 | 65 (stronger) |
| Problem-loan coverage | 86 (stronger) | 85 |
| Peer percentile | 47th | 37th |
| Total assets | $790.3M | $812.2M |
| Deposits / shares | $678.1M | $732.2M |
| Capital ratio | 13.24% (stronger) | 10.12% |
| Problem loans | 1.63% | 0.81% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.10% |
| Return on assets | 1.58% (stronger) | 1.52% |
| Loans ÷ deposits | 56.8% (stronger) | 83.7% |
| Uninsured deposits | 48.1% | 25.7% (stronger) |
| Offices | 7 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Trust Bank has the higher TellerScore (71 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Citizens Trust Bank leads on 5 and PromiseOne Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.