Side-by-side · Q2 2026 data
The Citizens Bank Company vs Williamstown Bank, Inc.
Metric by metric
| Measure | The Citizens Bank Company | Williamstown Bank, Inc. |
|---|---|---|
| TellerScore | 86 (stronger) | 66 |
| Capital cushion | 86 (stronger) | 51 |
| Loan quality | 87 | 88 (stronger) |
| Earnings | 78 (stronger) | 44 |
| Funding & liquidity | 86 (stronger) | 72 |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 90th | 31st |
| Total assets | $334.6M | $236.7M |
| Deposits / shares | $291.0M | $212.3M |
| Capital ratio | 13.56% (stronger) | 10.14% |
| Problem loans | 0.39% | 0.37% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.07% |
| Return on assets | 1.46% (stronger) | 0.60% |
| Loans ÷ deposits | 63.8% (stronger) | 88.1% |
| Uninsured deposits | 24.5% | 8.2% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.1% |
The Citizens Bank Company has the higher TellerScore (86 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank Company leads on 5 and Williamstown Bank, Inc. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.