Side-by-side · Q2 2026 data
Citizens Trust Bank vs The Citizens Bank
Metric by metric
| Measure | Citizens Trust Bank | The Citizens Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 67 |
| Capital cushion | 82 (stronger) | 72 |
| Loan quality | 46 (stronger) | 38 |
| Earnings | 83 (stronger) | 64 |
| Funding & liquidity | 63 | 93 (stronger) |
| Problem-loan coverage | 86 | 89 (stronger) |
| Peer percentile | 47th | 34th |
| Total assets | $790.3M | $129.2M |
| Deposits / shares | $678.1M | $116.2M |
| Capital ratio | 13.24% (stronger) | 12.22% |
| Problem loans | 1.63% (stronger) | 1.87% |
| Net charge-offs | 0.04% (stronger) | 0.06% |
| Return on assets | 1.58% (stronger) | 1.09% |
| Loans ÷ deposits | 56.8% | 32.1% (stronger) |
| Uninsured deposits | 48.1% | 21.4% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Trust Bank has the higher TellerScore (71 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Citizens Trust Bank leads on 5 and The Citizens Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.