Side-by-side · Q2 2026 data
The Citizens Bank vs First Reliance Bank
Metric by metric
| Measure | The Citizens Bank | First Reliance Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 71 |
| Capital cushion | 49 | 55 (stronger) |
| Loan quality | 94 | 98 (stronger) |
| Earnings | 70 (stronger) | 69 |
| Funding & liquidity | 83 (stronger) | 42 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 74th | 63rd |
| Total assets | $1.1B | $1.1B |
| Deposits / shares | $1.0B | $922.0M |
| Capital ratio | 9.91% | 10.53% (stronger) |
| Problem loans | 0.18% | 0.07% (stronger) |
| Net charge-offs | 0.05% | -0.00% (stronger) |
| Return on assets | 1.24% (stronger) | 1.21% |
| Loans ÷ deposits | 62.5% (stronger) | 90.0% |
| Uninsured deposits | 28.2% (stronger) | 40.3% |
| Offices | 26 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.1% | — |
The Citizens Bank has the higher TellerScore (74 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank leads on 4 and First Reliance Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.