Side-by-side · Q2 2026 data
Local Bank vs The Citizens Bank
Metric by metric
| Measure | Local Bank | The Citizens Bank |
|---|---|---|
| TellerScore | 58 | 67 (stronger) |
| Capital cushion | 93 (stronger) | 72 |
| Loan quality | 53 (stronger) | 38 |
| Earnings | 0 | 64 (stronger) |
| Funding & liquidity | 53 | 93 (stronger) |
| Problem-loan coverage | 84 | 89 (stronger) |
| Peer percentile | 16th | 34th |
| Total assets | $111.3M | $129.2M |
| Deposits / shares | $87.5M | $116.2M |
| Capital ratio | 14.29% (stronger) | 12.22% |
| Problem loans | 1.42% (stronger) | 1.87% |
| Net charge-offs | 0.41% | 0.06% (stronger) |
| Return on assets | -1.47% | 1.09% (stronger) |
| Loans ÷ deposits | 97.8% | 32.1% (stronger) |
| Uninsured deposits | 23.7% | 21.4% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens Bank has the higher TellerScore (67 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Local Bank leads on 2 and The Citizens Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.