Side-by-side · Q2 2026 data
St. Clair County State Bank vs Citizens Bank
Metric by metric
| Measure | St. Clair County State Bank | Citizens Bank |
|---|---|---|
| TellerScore | 87 (stronger) | 70 |
| Capital cushion | 85 (stronger) | 27 |
| Loan quality | 92 | 93 (stronger) |
| Earnings | 94 | 100 (stronger) |
| Funding & liquidity | 69 (stronger) | 59 |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 91st | 43rd |
| Total assets | $231.8M | $188.1M |
| Deposits / shares | $195.7M | $171.1M |
| Capital ratio | 13.51% (stronger) | 7.73% |
| Problem loans | 0.24% | 0.20% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.85% | 2.43% (stronger) |
| Loans ÷ deposits | 90.1% (stronger) | 98.5% |
| Uninsured deposits | 15.8% (stronger) | 17.4% |
| Offices | 3 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Clair County State Bank has the higher TellerScore (87 vs 70). On the 7 directional measures above (where higher or lower is clearly better), St. Clair County State Bank leads on 5 and Citizens Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.