Side-by-side · Q2 2026 data
CS Bank vs Citizens' Bank & Trust Co.
Metric by metric
| Measure | CS Bank | Citizens' Bank & Trust Co. |
|---|---|---|
| TellerScore | 69 | 82 (stronger) |
| Capital cushion | 70 (stronger) | 68 |
| Loan quality | 54 | 93 (stronger) |
| Earnings | 100 (stronger) | 82 |
| Funding & liquidity | 45 | 81 (stronger) |
| Problem-loan coverage | 82 | 98 (stronger) |
| Peer percentile | 40th | 82nd |
| Total assets | $628.5M | $566.4M |
| Deposits / shares | $485.5M | $503.2M |
| Capital ratio | 11.97% (stronger) | 11.78% |
| Problem loans | 1.37% | 0.20% (stronger) |
| Net charge-offs | 0.12% | 0.10% (stronger) |
| Return on assets | 2.09% (stronger) | 1.55% |
| Loans ÷ deposits | 107.2% | 60.8% (stronger) |
| Uninsured deposits | 22.9% (stronger) | 31.2% |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.2% | — |
Citizens' Bank & Trust Co. has the higher TellerScore (82 vs 69). On the 7 directional measures above (where higher or lower is clearly better), CS Bank leads on 3 and Citizens' Bank & Trust Co. on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.