Side-by-side · Q2 2026 data
CLB The Community Bank vs Citizens Savings Bank
Metric by metric
| Measure | CLB The Community Bank | Citizens Savings Bank |
|---|---|---|
| TellerScore | 58 | 81 (stronger) |
| Capital cushion | 64 | 93 (stronger) |
| Loan quality | 14 | 75 (stronger) |
| Earnings | 84 (stronger) | 71 |
| Funding & liquidity | 78 (stronger) | 72 |
| Problem-loan coverage | 70 | 91 (stronger) |
| Peer percentile | 16th | 80th |
| Total assets | $350.9M | $329.1M |
| Deposits / shares | $313.1M | $282.4M |
| Capital ratio | 11.36% | 14.33% (stronger) |
| Problem loans | 2.58% | 0.74% (stronger) |
| Net charge-offs | 0.45% | 0.17% (stronger) |
| Return on assets | 1.60% (stronger) | 1.28% |
| Loans ÷ deposits | 65.9% (stronger) | 87.9% |
| Uninsured deposits | 29.9% | 11.0% (stronger) |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.7% |
Citizens Savings Bank has the higher TellerScore (81 vs 58). On the 7 directional measures above (where higher or lower is clearly better), CLB The Community Bank leads on 2 and Citizens Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.