Side-by-side · Q2 2026 data
First Guaranty Bank vs Citizens Savings Bank
Metric by metric
| Measure | First Guaranty Bank | Citizens Savings Bank |
|---|---|---|
| TellerScore | 38 | 81 (stronger) |
| Capital cushion | 21 | 93 (stronger) |
| Loan quality | 23 | 75 (stronger) |
| Earnings | 35 | 71 (stronger) |
| Funding & liquidity | 89 (stronger) | 72 |
| Problem-loan coverage | 52 | 91 (stronger) |
| Peer percentile | 1st | 80th |
| Total assets | $3.9B | $329.1M |
| Deposits / shares | $3.5B | $282.4M |
| Capital ratio | 7.09% | 14.33% (stronger) |
| Problem loans | 2.30% | 0.74% (stronger) |
| Net charge-offs | 1.22% | 0.17% (stronger) |
| Return on assets | 0.39% | 1.28% (stronger) |
| Loans ÷ deposits | 50.0% (stronger) | 87.9% |
| Uninsured deposits | 25.3% | 11.0% (stronger) |
| Offices | 25 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.4% | 6.7% |
Citizens Savings Bank has the higher TellerScore (81 vs 38). On the 7 directional measures above (where higher or lower is clearly better), First Guaranty Bank leads on 1 and Citizens Savings Bank on 6. 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.