Side-by-side · Q2 2026 data
The Citizens Bank vs Relyance Bank
Metric by metric
| Measure | The Citizens Bank | Relyance Bank |
|---|---|---|
| TellerScore | 70 | 76 (stronger) |
| Capital cushion | 39 | 83 (stronger) |
| Loan quality | 88 (stronger) | 87 |
| Earnings | 82 (stronger) | 69 |
| Funding & liquidity | 67 (stronger) | 39 |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 58th | 80th |
| Total assets | $1.6B | $1.4B |
| Deposits / shares | $1.5B | $1.2B |
| Capital ratio | 8.87% | 13.27% (stronger) |
| Problem loans | 0.37% (stronger) | 0.40% |
| Net charge-offs | 0.08% | 0.02% (stronger) |
| Return on assets | 1.55% (stronger) | 1.21% |
| Loans ÷ deposits | 85.2% (stronger) | 91.8% |
| Uninsured deposits | 22.8% (stronger) | 41.1% |
| Offices | 16 | 21 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.3% | 12.0% |
Relyance Bank has the higher TellerScore (76 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank leads on 4 and Relyance Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.