Side-by-side · Q2 2026 data
First Bank of Ohio vs The Citizens Bank Company
Metric by metric
| Measure | First Bank of Ohio | The Citizens Bank Company |
|---|---|---|
| TellerScore | 90 (stronger) | 86 |
| Capital cushion | 100 (stronger) | 86 |
| Loan quality | 91 (stronger) | 87 |
| Earnings | 98 (stronger) | 78 |
| Funding & liquidity | 50 | 86 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 95th | 90th |
| Total assets | $278.4M | $334.6M |
| Deposits / shares | $176.2M | $291.0M |
| Capital ratio | 35.51% (stronger) | 13.56% |
| Problem loans | 0.26% (stronger) | 0.39% |
| Net charge-offs | 1.43% | 0.03% (stronger) |
| Return on assets | 1.96% (stronger) | 1.46% |
| Loans ÷ deposits | 107.4% | 63.8% (stronger) |
| Uninsured deposits | 17.3% (stronger) | 24.5% |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Bank of Ohio has the higher TellerScore (90 vs 86). On the 7 directional measures above (where higher or lower is clearly better), First Bank of Ohio leads on 5 and The Citizens Bank Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Belpre, OH
- Marietta, OH