Side-by-side · Q2 2026 data
Hyden Citizens Bank vs Whitaker Bank
Metric by metric
| Measure | Hyden Citizens Bank | Whitaker Bank |
|---|---|---|
| TellerScore | 73 | 84 (stronger) |
| Capital cushion | 42 | 79 (stronger) |
| Loan quality | 82 | 93 (stronger) |
| Earnings | 83 (stronger) | 77 |
| Funding & liquidity | 96 (stronger) | 80 |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 53rd | 95th |
| Total assets | $148.6M | $1.9B |
| Deposits / shares | $134.8M | $1.6B |
| Capital ratio | 9.18% | 12.89% (stronger) |
| Problem loans | 0.54% | 0.21% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.06% |
| Return on assets | 1.57% (stronger) | 1.42% |
| Loans ÷ deposits | 60.2% (stronger) | 67.3% |
| Uninsured deposits | 18.6% (stronger) | 26.8% |
| Offices | 3 | 44 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Whitaker Bank has the higher TellerScore (84 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Hyden Citizens Bank leads on 4 and Whitaker Bank on 3. 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.