Side-by-side · Q2 2026 data
Friend Bank vs The Citizens Bank
Metric by metric
| Measure | Friend Bank | The Citizens Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 70 |
| Capital cushion | 85 (stronger) | 56 |
| Loan quality | 84 | 86 (stronger) |
| Earnings | 87 (stronger) | 65 |
| Funding & liquidity | 75 (stronger) | 64 |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 88th | 43rd |
| Total assets | $221.0M | $233.3M |
| Deposits / shares | $190.9M | $209.8M |
| Capital ratio | 13.52% (stronger) | 10.56% |
| Problem loans | 0.48% | 0.42% (stronger) |
| Net charge-offs | -0.12% (stronger) | 0.00% |
| Return on assets | 1.67% (stronger) | 1.12% |
| Loans ÷ deposits | 73.3% (stronger) | 77.4% |
| Uninsured deposits | 25.4% (stronger) | 31.5% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.8% | 0.0% |
Friend Bank has the higher TellerScore (85 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Friend Bank leads on 6 and The Citizens Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.