Side-by-side · Q2 2026 data
The Citizens Bank vs First Financial Bank
Metric by metric
| Measure | The Citizens Bank | First Financial Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 61 |
| Capital cushion | 56 | 57 (stronger) |
| Loan quality | 86 (stronger) | 49 |
| Earnings | 65 (stronger) | 62 |
| Funding & liquidity | 64 | 92 (stronger) |
| Problem-loan coverage | 94 (stronger) | 56 |
| Peer percentile | 43rd | 20th |
| Total assets | $233.3M | $248.1M |
| Deposits / shares | $209.8M | $237.4M |
| Capital ratio | 10.56% | 10.69% (stronger) |
| Problem loans | 0.42% (stronger) | 1.52% |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.12% (stronger) | 1.06% |
| Loans ÷ deposits | 77.4% | 55.6% (stronger) |
| Uninsured deposits | 31.5% | 22.8% (stronger) |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
The Citizens Bank has the higher TellerScore (70 vs 61). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank leads on 4 and First Financial Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.