Side-by-side · Q2 2026 data
Sweet Water State Bank vs Citizens' Bank, Inc.
Metric by metric
| Measure | Sweet Water State Bank | Citizens' Bank, Inc. |
|---|---|---|
| TellerScore | 67 | 77 (stronger) |
| Capital cushion | 47 | 60 (stronger) |
| Loan quality | 57 | 95 (stronger) |
| Earnings | 84 (stronger) | 66 |
| Funding & liquidity | 92 (stronger) | 83 |
| Problem-loan coverage | 84 | 99 (stronger) |
| Peer percentile | 34th | 68th |
| Total assets | $150.0M | $158.9M |
| Deposits / shares | $134.8M | $143.1M |
| Capital ratio | 9.74% | 11.00% (stronger) |
| Problem loans | 1.30% | 0.14% (stronger) |
| Net charge-offs | 0.44% | 0.04% (stronger) |
| Return on assets | 1.59% (stronger) | 1.16% |
| Loans ÷ deposits | 56.9% (stronger) | 59.1% |
| Uninsured deposits | 22.9% (stronger) | 30.4% |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens' Bank, Inc. has the higher TellerScore (77 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Sweet Water State Bank leads on 3 and Citizens' Bank, Inc. on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.