Side-by-side · Q2 2026 data
The Citizens Bank vs Liberty Bank
Metric by metric
| Measure | The Citizens Bank | Liberty Bank |
|---|---|---|
| TellerScore | 70 | 81 (stronger) |
| Capital cushion | 56 | 63 (stronger) |
| Loan quality | 86 | 95 (stronger) |
| Earnings | 65 | 88 (stronger) |
| Funding & liquidity | 64 | 74 (stronger) |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 43rd | 80th |
| Total assets | $233.3M | $258.6M |
| Deposits / shares | $209.8M | $229.9M |
| Capital ratio | 10.56% | 11.30% (stronger) |
| Problem loans | 0.42% | 0.15% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 1.12% | 1.69% (stronger) |
| Loans ÷ deposits | 77.4% (stronger) | 79.3% |
| Uninsured deposits | 31.5% | 21.0% (stronger) |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 0.0% |
Liberty Bank has the higher TellerScore (81 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank leads on 2 and Liberty Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.