Side-by-side · Q2 2026 data
Pinnacle Bank, Inc. vs Citizens Federal Savings and Loan Association
Bank
Citizens Federal Savings and Loan Association
Covington, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Pinnacle Bank, Inc. | Citizens Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 67 | 79 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 42 | 100 (stronger) |
| Earnings | 37 (stronger) | 30 |
| Funding & liquidity | 70 (stronger) | 52 |
| Problem-loan coverage | 83 | 100 (stronger) |
| Peer percentile | 30th | 63rd |
| Total assets | $57.9M | $41.9M |
| Deposits / shares | $46.8M | $28.1M |
| Capital ratio | 15.67% | 28.05% (stronger) |
| Problem loans | 1.74% | 0.00% (stronger) |
| Net charge-offs | 0.97% | 0.00% (stronger) |
| Return on assets | 0.43% (stronger) | 0.24% |
| Loans ÷ deposits | 78.4% (stronger) | 107.9% |
| Uninsured deposits | 25.3% | 4.7% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Federal Savings and Loan Association has the higher TellerScore (79 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Pinnacle Bank, Inc. leads on 2 and Citizens Federal Savings and Loan Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.