Side-by-side · Q2 2026 data
Commercial Trust Company of Fayette vs Citizens Community Bank
Metric by metric
| Measure | Commercial Trust Company of Fayette | Citizens Community Bank |
|---|---|---|
| TellerScore | 74 | 79 (stronger) |
| Capital cushion | 54 | 66 (stronger) |
| Loan quality | 88 | 91 (stronger) |
| Earnings | 79 (stronger) | 68 |
| Funding & liquidity | 67 | 85 (stronger) |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 57th | 75th |
| Total assets | $163.8M | $142.6M |
| Deposits / shares | $145.2M | $125.9M |
| Capital ratio | 10.41% | 11.56% (stronger) |
| Problem loans | 0.36% | 0.27% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.25% |
| Return on assets | 1.47% (stronger) | 1.19% |
| Loans ÷ deposits | 75.4% (stronger) | 75.7% |
| Uninsured deposits | 30.7% | 9.8% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | — |
Citizens Community Bank has the higher TellerScore (79 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Commercial Trust Company of Fayette leads on 3 and Citizens Community Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.