Side-by-side · Q2 2026 data
Elizabethton Federal Savings Bank vs Citizens Community Bank
Metric by metric
| Measure | Elizabethton Federal Savings Bank | Citizens Community Bank |
|---|---|---|
| TellerScore | 86 | 90 (stronger) |
| Capital cushion | 100 (stronger) | 96 |
| Loan quality | 92 (stronger) | 87 |
| Earnings | 66 | 92 (stronger) |
| Funding & liquidity | 66 | 73 (stronger) |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 90th | 95th |
| Total assets | $326.0M | $352.6M |
| Deposits / shares | $187.9M | $303.2M |
| Capital ratio | 42.27% (stronger) | 14.58% |
| Problem loans | 0.25% (stronger) | 0.38% |
| Net charge-offs | 0.00% (stronger) | 0.08% |
| Return on assets | 1.14% | 1.79% (stronger) |
| Loans ÷ deposits | 94.0% | 73.5% (stronger) |
| Uninsured deposits | 8.3% (stronger) | 27.6% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Community Bank has the higher TellerScore (90 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Elizabethton Federal Savings Bank leads on 4 and Citizens Community Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.