Side-by-side · Q2 2026 data
Ixonia Bank vs Citizens Bank
Metric by metric
| Measure | Ixonia Bank | Citizens Bank |
|---|---|---|
| TellerScore | 67 | 83 (stronger) |
| Capital cushion | 50 | 86 (stronger) |
| Loan quality | 92 (stronger) | 90 |
| Earnings | 68 | 76 (stronger) |
| Funding & liquidity | 39 | 63 (stronger) |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 44th | 94th |
| Total assets | $1.1B | $1.2B |
| Deposits / shares | $679.8M | $996.0M |
| Capital ratio | 9.95% | 13.64% (stronger) |
| Problem loans | 0.25% (stronger) | 0.30% |
| Net charge-offs | 0.04% (stronger) | 0.13% |
| Return on assets | 1.21% | 1.39% (stronger) |
| Loans ÷ deposits | 119.4% | 75.3% (stronger) |
| Uninsured deposits | 25.1% (stronger) | 34.2% |
| Offices | 7 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.7% | 12.9% |
Citizens Bank has the higher TellerScore (83 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Ixonia Bank leads on 3 and Citizens Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.