Side-by-side · Q2 2026 data
State Street Bank and Trust Company vs Citizens National Bank of Albion
Metric by metric
| Measure | State Street Bank and Trust Company | Citizens National Bank of Albion |
|---|---|---|
| TellerScore | 77 | 88 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 87 (stronger) | 82 |
| Earnings | 100 (stronger) | 80 |
| Funding & liquidity | 71 | 80 (stronger) |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 68th | 92nd |
| Total assets | $357.1M | $348.5M |
| Deposits / shares | $315.5M | $283.9M |
| Capital ratio | 9.99% | 17.35% (stronger) |
| Problem loans | 0.39% (stronger) | 0.54% |
| Net charge-offs | 0.10% (stronger) | 0.14% |
| Return on assets | 2.40% (stronger) | 1.51% |
| Loans ÷ deposits | 88.8% | 78.5% (stronger) |
| Uninsured deposits | 9.6% (stronger) | 16.8% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens National Bank of Albion has the higher TellerScore (88 vs 77). On the 7 directional measures above (where higher or lower is clearly better), State Street Bank and Trust Company leads on 4 and Citizens National Bank of Albion on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.