Side-by-side · Q2 2026 data
Civista Bank vs Citizens Federal Savings and Loan Association
Bank
Citizens Federal Savings and Loan Association
Bellefontaine, Ohio · $100 million – $1 billion
Metric by metric
| Measure | Civista Bank | Citizens Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 75 (stronger) | 70 |
| Capital cushion | 77 (stronger) | 59 |
| Loan quality | 69 | 99 (stronger) |
| Earnings | 78 (stronger) | 38 |
| Funding & liquidity | 64 | 67 (stronger) |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 77th | 43rd |
| Total assets | $4.3B | $186.1M |
| Deposits / shares | $3.5B | $161.3M |
| Capital ratio | 12.71% (stronger) | 10.90% |
| Problem loans | 0.92% | 0.03% (stronger) |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 1.45% (stronger) | 0.45% |
| Loans ÷ deposits | 92.4% | 91.1% (stronger) |
| Uninsured deposits | 18.3% | 16.6% (stronger) |
| Offices | 42 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | — |
Civista Bank has the higher TellerScore (75 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Civista Bank leads on 3 and Citizens Federal Savings and Loan Association on 4. 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.