Side-by-side · Q2 2026 data
North Alabama Bank vs Citizens Community Bank
Metric by metric
| Measure | North Alabama Bank | Citizens Community Bank |
|---|---|---|
| TellerScore | 80 | 90 (stronger) |
| Capital cushion | 67 | 96 (stronger) |
| Loan quality | 95 (stronger) | 87 |
| Earnings | 81 | 92 (stronger) |
| Funding & liquidity | 70 | 73 (stronger) |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 77th | 95th |
| Total assets | $178.6M | $352.6M |
| Deposits / shares | $156.0M | $303.2M |
| Capital ratio | 11.73% | 14.58% (stronger) |
| Problem loans | 0.15% (stronger) | 0.38% |
| Net charge-offs | 0.05% (stronger) | 0.08% |
| Return on assets | 1.53% | 1.79% (stronger) |
| Loans ÷ deposits | 88.4% | 73.5% (stronger) |
| Uninsured deposits | 16.1% (stronger) | 27.6% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.6% | — |
Citizens Community Bank has the higher TellerScore (90 vs 80). On the 7 directional measures above (where higher or lower is clearly better), North Alabama Bank leads on 3 and Citizens Community Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.