Side-by-side · Q2 2026 data
TBO Bank vs Citizens Bank of the Midwest
Metric by metric
| Measure | TBO Bank | Citizens Bank of the Midwest |
|---|---|---|
| TellerScore | 50 | 55 (stronger) |
| Capital cushion | 59 (stronger) | 34 |
| Loan quality | 44 | 89 (stronger) |
| Earnings | 50 | 61 (stronger) |
| Funding & liquidity | 25 | 56 (stronger) |
| Problem-loan coverage | 79 (stronger) | 24 |
| Peer percentile | 7th | 11th |
| Total assets | $224.8M | $238.3M |
| Deposits / shares | $195.8M | $191.6M |
| Capital ratio | 10.87% (stronger) | 8.39% |
| Problem loans | 1.69% | 0.33% (stronger) |
| Net charge-offs | 34.35% | -0.04% (stronger) |
| Return on assets | 0.74% | 1.03% (stronger) |
| Loans ÷ deposits | 88.2% | 85.5% (stronger) |
| Uninsured deposits | 57.8% | 31.7% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank of the Midwest has the higher TellerScore (55 vs 50). On the 7 directional measures above (where higher or lower is clearly better), TBO Bank leads on 1 and Citizens Bank of the Midwest on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.