Side-by-side · Q2 2026 data
Montrose Savings Bank vs Citizens Bank
Metric by metric
| Measure | Montrose Savings Bank | Citizens Bank |
|---|---|---|
| TellerScore | 97 (stronger) | 70 |
| Capital cushion | 95 (stronger) | 27 |
| Loan quality | 96 (stronger) | 93 |
| Earnings | 100 | 100 |
| Funding & liquidity | 100 (stronger) | 59 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 98th | 43rd |
| Total assets | $63.2M | $188.1M |
| Deposits / shares | $53.7M | $171.1M |
| Capital ratio | 14.53% (stronger) | 7.73% |
| Problem loans | 0.13% (stronger) | 0.20% |
| Net charge-offs | 0.12% | 0.01% (stronger) |
| Return on assets | 2.86% (stronger) | 2.43% |
| Loans ÷ deposits | 60.4% (stronger) | 98.5% |
| Uninsured deposits | 4.9% (stronger) | 17.4% |
| Offices | 1 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Montrose Savings Bank has the higher TellerScore (97 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Montrose Savings Bank leads on 6 and Citizens Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.