Side-by-side · Q2 2026 data
The Citizens Bank vs Stone Bank
Metric by metric
| Measure | The Citizens Bank | Stone Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 60 |
| Capital cushion | 39 (stronger) | 34 |
| Loan quality | 88 (stronger) | 65 |
| Earnings | 82 | 87 (stronger) |
| Funding & liquidity | 67 (stronger) | 63 |
| Problem-loan coverage | 94 (stronger) | 66 |
| Peer percentile | 58th | 19th |
| Total assets | $1.6B | $950.7M |
| Deposits / shares | $1.5B | $757.7M |
| Capital ratio | 8.87% (stronger) | 8.37% |
| Problem loans | 0.37% (stronger) | 1.04% |
| Net charge-offs | 0.08% (stronger) | 0.27% |
| Return on assets | 1.55% | 1.68% (stronger) |
| Loans ÷ deposits | 85.2% (stronger) | 97.1% |
| Uninsured deposits | 22.8% | 9.4% (stronger) |
| Offices | 16 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.3% | 2.1% |
The Citizens Bank has the higher TellerScore (70 vs 60). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank leads on 5 and Stone Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.