Side-by-side · Q2 2026 data
Community Neighbor Bank vs First Citizens Bank
Metric by metric
| Measure | Community Neighbor Bank | First Citizens Bank |
|---|---|---|
| TellerScore | 69 | 87 (stronger) |
| Capital cushion | 61 | 93 (stronger) |
| Loan quality | 57 | 75 (stronger) |
| Earnings | 76 | 100 (stronger) |
| Funding & liquidity | 85 (stronger) | 78 |
| Problem-loan coverage | 88 (stronger) | 82 |
| Peer percentile | 40th | 91st |
| Total assets | $193.2M | $402.6M |
| Deposits / shares | $171.7M | $344.1M |
| Capital ratio | 11.13% | 14.30% (stronger) |
| Problem loans | 1.30% | 0.76% (stronger) |
| Net charge-offs | 0.21% | -0.00% (stronger) |
| Return on assets | 1.39% | 2.01% (stronger) |
| Loans ÷ deposits | 58.9% (stronger) | 66.4% |
| Uninsured deposits | 28.6% (stronger) | 29.5% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.0% |
First Citizens Bank has the higher TellerScore (87 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Community Neighbor Bank leads on 2 and First Citizens Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.