Side-by-side · Q2 2026 data
The Citizens Bank vs Bank of the Mountains, Inc.
Metric by metric
| Measure | The Citizens Bank | Bank of the Mountains, Inc. |
|---|---|---|
| TellerScore | 76 (stronger) | 64 |
| Capital cushion | 37 | 42 (stronger) |
| Loan quality | 98 (stronger) | 81 |
| Earnings | 100 (stronger) | 51 |
| Funding & liquidity | 70 | 76 (stronger) |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 64th | 26th |
| Total assets | $228.6M | $100.0M |
| Deposits / shares | $181.9M | $88.0M |
| Capital ratio | 8.72% | 9.23% (stronger) |
| Problem loans | 0.06% (stronger) | 0.57% |
| Net charge-offs | 0.06% (stronger) | 0.09% |
| Return on assets | 2.15% (stronger) | 0.77% |
| Loans ÷ deposits | 82.8% (stronger) | 84.7% |
| Uninsured deposits | 21.9% | 13.8% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens Bank has the higher TellerScore (76 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank leads on 5 and Bank of the Mountains, Inc. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- West Liberty, KY