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) | 50 |
| Capital cushion | 39 | 62 (stronger) |
| Loan quality | 88 (stronger) | 0 |
| Earnings | 82 | 100 (stronger) |
| Funding & liquidity | 67 (stronger) | 44 |
| Problem-loan coverage | 94 (stronger) | 47 |
| Peer percentile | 58th | 7th |
| Total assets | $1.6B | $2.0B |
| Deposits / shares | $1.5B | $1.7B |
| Capital ratio | 8.87% | 11.15% (stronger) |
| Problem loans | 0.37% (stronger) | 3.64% |
| Net charge-offs | 0.08% (stronger) | 0.21% |
| Return on assets | 1.55% | 2.18% (stronger) |
| Loans ÷ deposits | 85.2% (stronger) | 102.1% |
| Uninsured deposits | 22.8% (stronger) | 28.2% |
| Offices | 16 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.3% | 7.5% |
The Citizens Bank has the higher TellerScore (70 vs 50). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank leads on 5 and First Financial Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.