Side-by-side · Q2 2026 data
The Citizens Bank vs Security Federal Bank
Metric by metric
| Measure | The Citizens Bank | Security Federal Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 69 |
| Capital cushion | 49 | 58 (stronger) |
| Loan quality | 94 (stronger) | 72 |
| Earnings | 70 (stronger) | 55 |
| Funding & liquidity | 83 | 90 (stronger) |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 74th | 53rd |
| Total assets | $1.1B | $1.5B |
| Deposits / shares | $1.0B | $1.4B |
| Capital ratio | 9.91% | 10.83% (stronger) |
| Problem loans | 0.18% (stronger) | 0.85% |
| Net charge-offs | 0.05% (stronger) | 0.06% |
| Return on assets | 1.24% (stronger) | 0.86% |
| Loans ÷ deposits | 62.5% | 49.8% (stronger) |
| Uninsured deposits | 28.2% | 24.1% (stronger) |
| Offices | 26 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.1% | 10.8% |
The Citizens Bank has the higher TellerScore (74 vs 69). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank leads on 4 and Security Federal Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.