Side-by-side · Q2 2026 data
Edmonton State Bank vs Citizens Bank & Trust Company
Metric by metric
| Measure | Edmonton State Bank | Citizens Bank & Trust Company |
|---|---|---|
| TellerScore | 82 (stronger) | 79 |
| Capital cushion | 65 | 81 (stronger) |
| Loan quality | 89 (stronger) | 81 |
| Earnings | 100 (stronger) | 69 |
| Funding & liquidity | 68 | 75 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 93rd | 75th |
| Total assets | $1.2B | $383.4M |
| Deposits / shares | $1.0B | $333.9M |
| Capital ratio | 11.47% | 13.12% (stronger) |
| Problem loans | 0.32% (stronger) | 0.57% |
| Net charge-offs | 0.01% (stronger) | 0.03% |
| Return on assets | 2.44% (stronger) | 1.24% |
| Loans ÷ deposits | 91.8% | 60.6% (stronger) |
| Uninsured deposits | 15.6% (stronger) | 37.0% |
| Offices | 18 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.9% | — |
Edmonton State Bank has the higher TellerScore (82 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Edmonton State Bank leads on 5 and Citizens Bank & Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.