Side-by-side · Q2 2026 data
Commercial Bank & Trust Co. vs The Citizens Bank
Metric by metric
| Measure | Commercial Bank & Trust Co. | The Citizens Bank |
|---|---|---|
| TellerScore | 80 | 82 (stronger) |
| Capital cushion | 71 | 77 (stronger) |
| Loan quality | 95 (stronger) | 89 |
| Earnings | 71 | 89 (stronger) |
| Funding & liquidity | 70 (stronger) | 63 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 90th | 82nd |
| Total assets | $1.1B | $220.4M |
| Deposits / shares | $972.0M | $193.7M |
| Capital ratio | 12.08% | 12.67% (stronger) |
| Problem loans | 0.15% (stronger) | 0.34% |
| Net charge-offs | 0.05% | 0.04% (stronger) |
| Return on assets | 1.26% | 1.73% (stronger) |
| Loans ÷ deposits | 64.9% (stronger) | 85.2% |
| Uninsured deposits | 37.5% | 26.0% (stronger) |
| Offices | 9 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens Bank has the higher TellerScore (82 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank & Trust Co. leads on 2 and The Citizens Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.