Side-by-side · Q2 2026 data
Merchants & Planters' Bank vs The Citizens Bank
Metric by metric
| Measure | Merchants & Planters' Bank | The Citizens Bank |
|---|---|---|
| TellerScore | 62 | 70 (stronger) |
| Capital cushion | 52 (stronger) | 39 |
| Loan quality | 57 | 88 (stronger) |
| Earnings | 58 | 82 (stronger) |
| Funding & liquidity | 80 (stronger) | 67 |
| Problem-loan coverage | 87 | 94 (stronger) |
| Peer percentile | 22nd | 58th |
| Total assets | $379.4M | $1.6B |
| Deposits / shares | $340.9M | $1.5B |
| Capital ratio | 10.15% (stronger) | 8.87% |
| Problem loans | 1.29% | 0.37% (stronger) |
| Net charge-offs | -0.26% (stronger) | 0.08% |
| Return on assets | 0.95% | 1.55% (stronger) |
| Loans ÷ deposits | 52.8% (stronger) | 85.2% |
| Uninsured deposits | 32.8% | 22.8% (stronger) |
| Offices | 10 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.3% |
The Citizens Bank has the higher TellerScore (70 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Merchants & Planters' Bank leads on 3 and The Citizens Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.