Side-by-side · Q2 2026 data
Riverwind Bank vs The Citizens Bank
Metric by metric
| Measure | Riverwind Bank | The Citizens Bank |
|---|---|---|
| TellerScore | 68 | 70 (stronger) |
| Capital cushion | 41 (stronger) | 39 |
| Loan quality | 95 (stronger) | 88 |
| Earnings | 52 | 82 (stronger) |
| Funding & liquidity | 82 (stronger) | 67 |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 37th | 58th |
| Total assets | $167.8M | $1.6B |
| Deposits / shares | $153.0M | $1.5B |
| Capital ratio | 9.09% (stronger) | 8.87% |
| Problem loans | 0.16% (stronger) | 0.37% |
| Net charge-offs | 0.01% (stronger) | 0.08% |
| Return on assets | 0.81% | 1.55% (stronger) |
| Loans ÷ deposits | 71.3% (stronger) | 85.2% |
| Uninsured deposits | 21.1% (stronger) | 22.8% |
| Offices | 4 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.3% |
The Citizens Bank has the higher TellerScore (70 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Riverwind Bank leads on 5 and The Citizens Bank on 2. 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.