Side-by-side · Q2 2026 data
Southwind Bank vs Citizens Federal Savings Bank
Metric by metric
| Measure | Southwind Bank | Citizens Federal Savings Bank |
|---|---|---|
| TellerScore | 70 | 80 (stronger) |
| Capital cushion | 54 | 100 (stronger) |
| Loan quality | 75 | 95 (stronger) |
| Earnings | 71 (stronger) | 28 |
| Funding & liquidity | 80 (stronger) | 70 |
| Problem-loan coverage | 90 | 99 (stronger) |
| Peer percentile | 43rd | 77th |
| Total assets | $186.6M | $190.1M |
| Deposits / shares | $172.8M | $149.1M |
| Capital ratio | 10.42% | 20.08% (stronger) |
| Problem loans | 0.74% | 0.15% (stronger) |
| Net charge-offs | 0.28% | 0.02% (stronger) |
| Return on assets | 1.28% (stronger) | 0.19% |
| Loans ÷ deposits | 53.4% (stronger) | 90.1% |
| Uninsured deposits | 33.2% | 10.9% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Federal Savings Bank has the higher TellerScore (80 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Southwind Bank leads on 2 and Citizens Federal Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.