Side-by-side · Q2 2026 data
The Citizens Bank vs Kingstree Federal Savings and Loan Association
Bank
Kingstree Federal Savings and Loan Association
Kingstree, South Carolina · Under $100 million in assets
Metric by metric
| Measure | The Citizens Bank | Kingstree Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 74 (stronger) | 44 |
| Capital cushion | 49 | 71 (stronger) |
| Loan quality | 94 (stronger) | 16 |
| Earnings | 70 (stronger) | 0 |
| Funding & liquidity | 83 (stronger) | 75 |
| Problem-loan coverage | 97 (stronger) | 73 |
| Peer percentile | 74th | 6th |
| Total assets | $1.1B | $39.3M |
| Deposits / shares | $1.0B | $33.9M |
| Capital ratio | 9.91% | 12.08% (stronger) |
| Problem loans | 0.18% (stronger) | 2.53% |
| Net charge-offs | 0.05% | 0.01% (stronger) |
| Return on assets | 1.24% (stronger) | -0.61% |
| Loans ÷ deposits | 62.5% (stronger) | 85.1% |
| Uninsured deposits | 28.2% | 10.8% (stronger) |
| Offices | 26 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.1% | — |
The Citizens Bank has the higher TellerScore (74 vs 44). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank leads on 4 and Kingstree Federal Savings and Loan Association on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Kingstree, SC