Side-by-side · Q2 2026 data
First Citizens Bank vs Clear Lake Bank and Trust Company
Metric by metric
| Measure | First Citizens Bank | Clear Lake Bank and Trust Company |
|---|---|---|
| TellerScore | 81 (stronger) | 75 |
| Capital cushion | 70 (stronger) | 35 |
| Loan quality | 95 | 100 (stronger) |
| Earnings | 100 (stronger) | 98 |
| Funding & liquidity | 43 | 64 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 91st | 61st |
| Total assets | $1.8B | $649.3M |
| Deposits / shares | $1.6B | $585.0M |
| Capital ratio | 11.96% (stronger) | 8.53% |
| Problem loans | 0.16% | 0.00% (stronger) |
| Net charge-offs | 0.13% | 0.02% (stronger) |
| Return on assets | 2.09% (stronger) | 1.94% |
| Loans ÷ deposits | 83.2% (stronger) | 83.5% |
| Uninsured deposits | 45.6% | 26.2% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Citizens Bank has the higher TellerScore (81 vs 75). On the 7 directional measures above (where higher or lower is clearly better), First Citizens Bank leads on 4 and Clear Lake Bank and Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.