Side-by-side · Q2 2026 data
The Citizens Bank of Winfield vs State Bank & Trust
Metric by metric
| Measure | The Citizens Bank of Winfield | State Bank & Trust |
|---|---|---|
| TellerScore | 83 (stronger) | 63 |
| Capital cushion | 100 (stronger) | 40 |
| Loan quality | 91 (stronger) | 83 |
| Earnings | 37 | 56 (stronger) |
| Funding & liquidity | 86 (stronger) | 66 |
| Problem-loan coverage | 96 (stronger) | 87 |
| Peer percentile | 84th | 24th |
| Total assets | $301.3M | $413.0M |
| Deposits / shares | $215.2M | $362.6M |
| Capital ratio | 17.51% (stronger) | 9.01% |
| Problem loans | 0.26% (stronger) | 0.51% |
| Net charge-offs | 0.47% | 0.23% (stronger) |
| Return on assets | 0.43% | 0.89% (stronger) |
| Loans ÷ deposits | 52.2% (stronger) | 76.1% |
| Uninsured deposits | 27.9% (stronger) | 31.7% |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens Bank of Winfield has the higher TellerScore (83 vs 63). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank of Winfield leads on 5 and State Bank & Trust on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Winfield, AL