Side-by-side · Q2 2026 data
Lineage Bank vs Citizens Savings Bank and Trust Company
Metric by metric
| Measure | Lineage Bank | Citizens Savings Bank and Trust Company |
|---|---|---|
| TellerScore | 67 (stronger) | 32 |
| Capital cushion | 100 (stronger) | 46 |
| Loan quality | 61 (stronger) | 9 |
| Earnings | 0 | 29 (stronger) |
| Funding & liquidity | 83 (stronger) | 43 |
| Problem-loan coverage | 89 (stronger) | 41 |
| Peer percentile | 34th | 1st |
| Total assets | $197.7M | $188.1M |
| Deposits / shares | $170.6M | $156.5M |
| Capital ratio | 15.18% (stronger) | 9.56% |
| Problem loans | 1.18% (stronger) | 2.72% |
| Net charge-offs | 0.00% (stronger) | 0.20% |
| Return on assets | -5.11% | 0.22% (stronger) |
| Loans ÷ deposits | 71.9% (stronger) | 101.3% |
| Uninsured deposits | 20.0% (stronger) | 28.8% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.3% | 52.7% |
Lineage Bank has the higher TellerScore (67 vs 32). On the 7 directional measures above (where higher or lower is clearly better), Lineage Bank leads on 6 and Citizens Savings Bank and Trust Company on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.