Side-by-side · Q2 2026 data
Peoples Bank of Alabama vs Citizens Bank & Trust
Metric by metric
| Measure | Peoples Bank of Alabama | Citizens Bank & Trust |
|---|---|---|
| TellerScore | 76 (stronger) | 67 |
| Capital cushion | 62 (stronger) | 39 |
| Loan quality | 81 | 97 (stronger) |
| Earnings | 97 (stronger) | 44 |
| Funding & liquidity | 54 | 83 (stronger) |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 80th | 44th |
| Total assets | $1.4B | $1.2B |
| Deposits / shares | $1.3B | $1.1B |
| Capital ratio | 11.19% (stronger) | 8.93% |
| Problem loans | 0.56% | 0.08% (stronger) |
| Net charge-offs | 0.09% | 0.03% (stronger) |
| Return on assets | 1.93% (stronger) | 0.60% |
| Loans ÷ deposits | 71.5% | 56.0% (stronger) |
| Uninsured deposits | 46.5% | 30.3% (stronger) |
| Offices | 28 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.4% | 10.7% |
Peoples Bank of Alabama has the higher TellerScore (76 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank of Alabama leads on 3 and Citizens Bank & Trust on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.