Side-by-side · Q2 2026 data
Commercial Bank vs The Citizens Bank
Metric by metric
| Measure | Commercial Bank | The Citizens Bank |
|---|---|---|
| TellerScore | 65 | 76 (stronger) |
| Capital cushion | 50 (stronger) | 37 |
| Loan quality | 62 | 98 (stronger) |
| Earnings | 72 | 100 (stronger) |
| Funding & liquidity | 78 (stronger) | 70 |
| Problem-loan coverage | 85 | 99 (stronger) |
| Peer percentile | 29th | 64th |
| Total assets | $216.1M | $228.6M |
| Deposits / shares | $181.4M | $181.9M |
| Capital ratio | 10.05% (stronger) | 8.72% |
| Problem loans | 1.14% | 0.06% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.06% |
| Return on assets | 1.29% | 2.15% (stronger) |
| Loans ÷ deposits | 81.9% (stronger) | 82.8% |
| Uninsured deposits | 15.4% (stronger) | 21.9% |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens Bank has the higher TellerScore (76 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank leads on 4 and The Citizens Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- West Liberty, KY