Side-by-side · Q2 2026 data
Independence Bank vs Citizens Federal Savings and Loan Association
Bank
Citizens Federal Savings and Loan Association
Bellefontaine, Ohio · $100 million – $1 billion
Metric by metric
| Measure | Independence Bank | Citizens Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 81 (stronger) | 70 |
| Capital cushion | 95 (stronger) | 59 |
| Loan quality | 91 | 99 (stronger) |
| Earnings | 55 (stronger) | 38 |
| Funding & liquidity | 59 | 67 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 80th | 43rd |
| Total assets | $191.2M | $186.1M |
| Deposits / shares | $161.6M | $161.3M |
| Capital ratio | 14.46% (stronger) | 10.90% |
| Problem loans | 0.26% | 0.03% (stronger) |
| Net charge-offs | 0.49% | 0.00% (stronger) |
| Return on assets | 0.87% (stronger) | 0.45% |
| Loans ÷ deposits | 62.1% (stronger) | 91.1% |
| Uninsured deposits | 50.5% | 16.6% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Independence Bank has the higher TellerScore (81 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Independence Bank leads on 4 and Citizens Federal Savings and Loan Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.