Side-by-side · Q2 2026 data
The Commercial Bank Of Ozark vs The Citizens Bank
Metric by metric
| Measure | The Commercial Bank Of Ozark | The Citizens Bank |
|---|---|---|
| TellerScore | 59 | 67 (stronger) |
| Capital cushion | 41 | 72 (stronger) |
| Loan quality | 62 (stronger) | 38 |
| Earnings | 40 | 64 (stronger) |
| Funding & liquidity | 98 (stronger) | 93 |
| Problem-loan coverage | 80 | 89 (stronger) |
| Peer percentile | 17th | 34th |
| Total assets | $115.2M | $129.2M |
| Deposits / shares | $107.6M | $116.2M |
| Capital ratio | 9.09% | 12.22% (stronger) |
| Problem loans | 1.14% (stronger) | 1.87% |
| Net charge-offs | 0.07% | 0.06% (stronger) |
| Return on assets | 0.51% | 1.09% (stronger) |
| Loans ÷ deposits | 50.5% | 32.1% (stronger) |
| Uninsured deposits | 16.9% (stronger) | 21.4% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens Bank has the higher TellerScore (67 vs 59). On the 7 directional measures above (where higher or lower is clearly better), The Commercial Bank Of Ozark leads on 2 and The Citizens Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.