Side-by-side · Q2 2026 data
Commercial Bank & Trust Company vs The Citizens Bank
Metric by metric
| Measure | Commercial Bank & Trust Company | The Citizens Bank |
|---|---|---|
| TellerScore | 40 | 70 (stronger) |
| Capital cushion | 63 (stronger) | 39 |
| Loan quality | 0 | 88 (stronger) |
| Earnings | 48 | 82 (stronger) |
| Funding & liquidity | 69 (stronger) | 67 |
| Problem-loan coverage | 7 | 94 (stronger) |
| Peer percentile | 2nd | 58th |
| Total assets | $364.0M | $1.6B |
| Deposits / shares | $336.0M | $1.5B |
| Capital ratio | 11.30% (stronger) | 8.87% |
| Problem loans | 5.40% | 0.37% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.08% |
| Return on assets | 0.69% | 1.55% (stronger) |
| Loans ÷ deposits | 73.2% (stronger) | 85.2% |
| Uninsured deposits | 31.0% | 22.8% (stronger) |
| Offices | 5 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.3% |
The Citizens Bank has the higher TellerScore (70 vs 40). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank & Trust Company leads on 3 and The Citizens Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Monticello, AR