Side-by-side · Q2 2026 data
Security Bank and Trust Company vs Citizens Tri-County Bank
Metric by metric
| Measure | Security Bank and Trust Company | Citizens Tri-County Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 70 |
| Capital cushion | 59 (stronger) | 43 |
| Loan quality | 99 (stronger) | 75 |
| Earnings | 85 | 94 (stronger) |
| Funding & liquidity | 62 | 75 (stronger) |
| Problem-loan coverage | 100 (stronger) | 86 |
| Peer percentile | 88th | 58th |
| Total assets | $1.7B | $1.6B |
| Deposits / shares | $1.4B | $1.5B |
| Capital ratio | 10.92% (stronger) | 9.34% |
| Problem loans | 0.02% (stronger) | 0.75% |
| Net charge-offs | 0.01% (stronger) | 0.05% |
| Return on assets | 1.61% | 1.85% (stronger) |
| Loans ÷ deposits | 83.8% | 71.6% (stronger) |
| Uninsured deposits | 27.5% | 27.3% (stronger) |
| Offices | 11 | 20 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | 11.3% |
Security Bank and Trust Company has the higher TellerScore (79 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Security Bank and Trust Company leads on 4 and Citizens Tri-County Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.