Side-by-side · Q2 2026 data
One Bank of Tennessee vs Citizens Tri-County Bank
Metric by metric
| Measure | One Bank of Tennessee | Citizens Tri-County Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 70 |
| Capital cushion | 41 | 43 (stronger) |
| Loan quality | 100 (stronger) | 75 |
| Earnings | 100 (stronger) | 94 |
| Funding & liquidity | 80 (stronger) | 75 |
| Problem-loan coverage | 100 (stronger) | 86 |
| Peer percentile | 88th | 58th |
| Total assets | $1.7B | $1.6B |
| Deposits / shares | $1.5B | $1.5B |
| Capital ratio | 9.09% | 9.34% (stronger) |
| Problem loans | 0.01% (stronger) | 0.75% |
| Net charge-offs | 0.02% (stronger) | 0.05% |
| Return on assets | 2.16% (stronger) | 1.85% |
| Loans ÷ deposits | 73.5% | 71.6% (stronger) |
| Uninsured deposits | 20.9% (stronger) | 27.3% |
| Offices | 19 | 20 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.9% | 11.3% |
One Bank of Tennessee has the higher TellerScore (79 vs 70). On the 7 directional measures above (where higher or lower is clearly better), One Bank of Tennessee leads on 5 and Citizens Tri-County Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.