Side-by-side · Q2 2026 data
Peoples Bank & Trust Company vs Citizens Savings Bank and Trust Company
Metric by metric
| Measure | Peoples Bank & Trust Company | Citizens Savings Bank and Trust Company |
|---|---|---|
| TellerScore | 93 (stronger) | 32 |
| Capital cushion | 97 (stronger) | 46 |
| Loan quality | 99 (stronger) | 9 |
| Earnings | 90 (stronger) | 29 |
| Funding & liquidity | 75 (stronger) | 43 |
| Problem-loan coverage | 100 (stronger) | 41 |
| Peer percentile | 98th | 1st |
| Total assets | $168.6M | $188.1M |
| Deposits / shares | $142.6M | $156.5M |
| Capital ratio | 14.70% (stronger) | 9.56% |
| Problem loans | 0.02% (stronger) | 2.72% |
| Net charge-offs | 0.02% (stronger) | 0.20% |
| Return on assets | 1.76% (stronger) | 0.22% |
| Loans ÷ deposits | 79.6% (stronger) | 101.3% |
| Uninsured deposits | 20.3% (stronger) | 28.8% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 52.7% |
Peoples Bank & Trust Company has the higher TellerScore (93 vs 32). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank & Trust Company leads on 7 and Citizens Savings Bank and Trust Company on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.