Side-by-side · Q2 2026 data
The Citizens Bank vs Lumbee Guaranty Bank
Metric by metric
| Measure | The Citizens Bank | Lumbee Guaranty Bank |
|---|---|---|
| TellerScore | 74 | 74 |
| Capital cushion | 49 | 57 (stronger) |
| Loan quality | 94 (stronger) | 88 |
| Earnings | 70 (stronger) | 53 |
| Funding & liquidity | 83 | 98 (stronger) |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 74th | 57th |
| Total assets | $1.1B | $583.5M |
| Deposits / shares | $1.0B | $490.4M |
| Capital ratio | 9.91% | 10.71% (stronger) |
| Problem loans | 0.18% (stronger) | 0.37% |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 1.24% (stronger) | 0.83% |
| Loans ÷ deposits | 62.5% | 49.1% (stronger) |
| Uninsured deposits | 28.2% | 17.4% (stronger) |
| Offices | 26 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.1% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The Citizens Bank leads on 2 and Lumbee Guaranty Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.