Side-by-side · Q2 2026 data
The Citizens Bank vs Bank of the Lowcountry
Metric by metric
| Measure | The Citizens Bank | Bank of the Lowcountry |
|---|---|---|
| TellerScore | 74 (stronger) | 65 |
| Capital cushion | 49 (stronger) | 43 |
| Loan quality | 94 | 95 (stronger) |
| Earnings | 70 (stronger) | 50 |
| Funding & liquidity | 83 (stronger) | 57 |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 74th | 29th |
| Total assets | $1.1B | $430.2M |
| Deposits / shares | $1.0B | $365.0M |
| Capital ratio | 9.91% (stronger) | 9.25% |
| Problem loans | 0.18% | 0.15% (stronger) |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 1.24% (stronger) | 0.75% |
| Loans ÷ deposits | 62.5% (stronger) | 88.6% |
| Uninsured deposits | 28.2% (stronger) | 28.5% |
| Offices | 26 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.1% | 6.6% |
The Citizens Bank has the higher TellerScore (74 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank leads on 5 and Bank of the Lowcountry on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.