Side-by-side · Q2 2026 data
The Citizens Bank vs United Citizens Bank & Trust Company
Metric by metric
| Measure | The Citizens Bank | United Citizens Bank & Trust Company |
|---|---|---|
| TellerScore | 82 (stronger) | 56 |
| Capital cushion | 77 (stronger) | 50 |
| Loan quality | 89 (stronger) | 41 |
| Earnings | 89 (stronger) | 62 |
| Funding & liquidity | 63 | 71 (stronger) |
| Problem-loan coverage | 96 (stronger) | 72 |
| Peer percentile | 82nd | 13th |
| Total assets | $220.4M | $219.3M |
| Deposits / shares | $193.7M | $197.5M |
| Capital ratio | 12.67% (stronger) | 10.02% |
| Problem loans | 0.34% (stronger) | 1.78% |
| Net charge-offs | 0.04% | 0.03% (stronger) |
| Return on assets | 1.73% (stronger) | 1.05% |
| Loans ÷ deposits | 85.2% (stronger) | 89.1% |
| Uninsured deposits | 26.0% | 12.6% (stronger) |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.5% |
The Citizens Bank has the higher TellerScore (82 vs 56). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank leads on 5 and United Citizens Bank & Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.