Side-by-side · Q2 2026 data
Owingsville Banking Company vs The Citizens Bank
Metric by metric
| Measure | Owingsville Banking Company | The Citizens Bank |
|---|---|---|
| TellerScore | 67 | 76 (stronger) |
| Capital cushion | 50 (stronger) | 37 |
| Loan quality | 90 | 98 (stronger) |
| Earnings | 44 | 100 (stronger) |
| Funding & liquidity | 76 (stronger) | 70 |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 34th | 64th |
| Total assets | $104.1M | $228.6M |
| Deposits / shares | $92.3M | $181.9M |
| Capital ratio | 10.02% (stronger) | 8.72% |
| Problem loans | 0.29% | 0.06% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.06% |
| Return on assets | 0.60% | 2.15% (stronger) |
| Loans ÷ deposits | 83.8% | 82.8% (stronger) |
| Uninsured deposits | 12.3% (stronger) | 21.9% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens Bank has the higher TellerScore (76 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Owingsville Banking Company leads on 3 and The Citizens Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Owingsville, KY
- Sharpsburg, KY