Side-by-side · Q2 2026 data
The Citizens Bank vs Pee Dee Federal Savings Bank
Metric by metric
| Measure | The Citizens Bank | Pee Dee Federal Savings Bank |
|---|---|---|
| TellerScore | 74 | 90 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 94 (stronger) | 91 |
| Earnings | 70 (stronger) | 60 |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 74th | 89th |
| Total assets | $1.1B | $37.1M |
| Deposits / shares | $1.0B | $29.4M |
| Capital ratio | 9.91% | 20.51% (stronger) |
| Problem loans | 0.18% (stronger) | 0.27% |
| Net charge-offs | 0.05% (stronger) | 0.06% |
| Return on assets | 1.24% (stronger) | 0.99% |
| Loans ÷ deposits | 62.5% | 44.2% (stronger) |
| Uninsured deposits | 28.2% | 3.2% (stronger) |
| Offices | 26 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.1% | — |
Pee Dee Federal Savings Bank has the higher TellerScore (90 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank leads on 3 and Pee Dee Federal Savings Bank on 4. 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.