Side-by-side · Q2 2026 data
Republic Bank & Trust Company vs San Antonio Citizens Federal Credit Union
Credit union
San Antonio Citizens Federal Credit Union
San Antonio, Florida · $100 million – $1 billion
Metric by metric
| Measure | Republic Bank & Trust Company | San Antonio Citizens Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 78 |
| Capital cushion | 98 (stronger) | 60 |
| Loan quality | 81 | 91 (stronger) |
| Earnings | 100 (stronger) | 65 |
| Funding & liquidity | 31 | 100 (stronger) |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 95th | 74th |
| Total assets | $7.1B | $399.9M |
| Deposits / shares | $5.6B | $356.8M |
| Capital ratio | 14.82% (stronger) | 11.02% |
| Problem loans | 0.56% | 0.28% (stronger) |
| Net charge-offs | 0.46% | 0.26% (stronger) |
| Return on assets | 2.13% (stronger) | 1.13% |
| Loans ÷ deposits | 95.7% | 50.1% (stronger) |
| Uninsured deposits | 45.6% | 8.1% (stronger) |
| Offices | 47 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.6% | — |
Republic Bank & Trust Company has the higher TellerScore (84 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Republic Bank & Trust Company leads on 3 and San Antonio Citizens Federal Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.