Side-by-side · Q2 2026 data
First Bank of Boaz vs Citizens Bank & Trust
Metric by metric
| Measure | First Bank of Boaz | Citizens Bank & Trust |
|---|---|---|
| TellerScore | 88 (stronger) | 67 |
| Capital cushion | 100 (stronger) | 39 |
| Loan quality | 98 (stronger) | 97 |
| Earnings | 54 (stronger) | 44 |
| Funding & liquidity | 85 (stronger) | 83 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 92nd | 44th |
| Total assets | $239.8M | $1.2B |
| Deposits / shares | $208.0M | $1.1B |
| Capital ratio | 19.66% (stronger) | 8.93% |
| Problem loans | 0.05% (stronger) | 0.08% |
| Net charge-offs | -0.01% (stronger) | 0.03% |
| Return on assets | 0.85% (stronger) | 0.60% |
| Loans ÷ deposits | 33.2% (stronger) | 56.0% |
| Uninsured deposits | 29.0% (stronger) | 30.3% |
| Offices | 1 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.7% |
First Bank of Boaz has the higher TellerScore (88 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First Bank of Boaz leads on 7 and Citizens Bank & Trust on 0. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.