Side-by-side · Q2 2026 data
The Citizens Bank Company vs The Hocking Valley Bank
Metric by metric
| Measure | The Citizens Bank Company | The Hocking Valley Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 77 |
| Capital cushion | 86 (stronger) | 64 |
| Loan quality | 87 (stronger) | 82 |
| Earnings | 78 (stronger) | 75 |
| Funding & liquidity | 86 (stronger) | 85 |
| Problem-loan coverage | 97 (stronger) | 93 |
| Peer percentile | 90th | 68th |
| Total assets | $334.6M | $354.0M |
| Deposits / shares | $291.0M | $312.0M |
| Capital ratio | 13.56% (stronger) | 11.44% |
| Problem loans | 0.39% (stronger) | 0.54% |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.46% (stronger) | 1.37% |
| Loans ÷ deposits | 63.8% (stronger) | 65.6% |
| Uninsured deposits | 24.5% | 23.3% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens Bank Company has the higher TellerScore (86 vs 77). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank Company leads on 5 and The Hocking Valley Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.