Side-by-side · Q2 2026 data
Security Bank and Trust Company vs The Citizens Bank
Metric by metric
| Measure | Security Bank and Trust Company | The Citizens Bank |
|---|---|---|
| TellerScore | 79 | 82 (stronger) |
| Capital cushion | 59 | 77 (stronger) |
| Loan quality | 99 (stronger) | 89 |
| Earnings | 85 | 89 (stronger) |
| Funding & liquidity | 62 | 63 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 88th | 82nd |
| Total assets | $1.7B | $220.4M |
| Deposits / shares | $1.4B | $193.7M |
| Capital ratio | 10.92% | 12.67% (stronger) |
| Problem loans | 0.02% (stronger) | 0.34% |
| Net charge-offs | 0.01% (stronger) | 0.04% |
| Return on assets | 1.61% | 1.73% (stronger) |
| Loans ÷ deposits | 83.8% (stronger) | 85.2% |
| Uninsured deposits | 27.5% | 26.0% (stronger) |
| Offices | 11 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | — |
The Citizens Bank has the higher TellerScore (82 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Security Bank and Trust Company leads on 3 and The Citizens Bank 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.