Side-by-side · Q2 2026 data
Lamar Bank and Trust Company vs Citizens Bank
Metric by metric
| Measure | Lamar Bank and Trust Company | Citizens Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 70 |
| Capital cushion | 52 (stronger) | 27 |
| Loan quality | 98 (stronger) | 93 |
| Earnings | 92 | 100 (stronger) |
| Funding & liquidity | 70 (stronger) | 59 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 75th | 43rd |
| Total assets | $269.0M | $188.1M |
| Deposits / shares | $235.1M | $171.1M |
| Capital ratio | 10.20% (stronger) | 7.73% |
| Problem loans | 0.05% (stronger) | 0.20% |
| Net charge-offs | 0.01% (stronger) | 0.01% |
| Return on assets | 1.80% | 2.43% (stronger) |
| Loans ÷ deposits | 86.4% (stronger) | 98.5% |
| Uninsured deposits | 18.7% | 17.4% (stronger) |
| Offices | 2 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lamar Bank and Trust Company has the higher TellerScore (79 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Lamar Bank and Trust Company leads on 5 and Citizens Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.