Side-by-side · Q2 2026 data
Community Spirit Bank vs The Citizens Bank
Metric by metric
| Measure | Community Spirit Bank | The Citizens Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 70 |
| Capital cushion | 47 | 56 (stronger) |
| Loan quality | 100 (stronger) | 86 |
| Earnings | 75 (stronger) | 65 |
| Funding & liquidity | 84 (stronger) | 64 |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 68th | 43rd |
| Total assets | $228.8M | $233.3M |
| Deposits / shares | $205.7M | $209.8M |
| Capital ratio | 9.73% | 10.56% (stronger) |
| Problem loans | 0.00% (stronger) | 0.42% |
| Net charge-offs | 0.34% | 0.00% (stronger) |
| Return on assets | 1.39% (stronger) | 1.12% |
| Loans ÷ deposits | 72.5% (stronger) | 77.4% |
| Uninsured deposits | 18.0% (stronger) | 31.5% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Community Spirit Bank has the higher TellerScore (77 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Community Spirit Bank leads on 5 and The Citizens Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.