Side-by-side · Q2 2026 data
The First National Bank of Livingston vs Citizens Bank
Metric by metric
| Measure | The First National Bank of Livingston | Citizens Bank |
|---|---|---|
| TellerScore | 98 (stronger) | 60 |
| Capital cushion | 100 (stronger) | 19 |
| Loan quality | 98 | 99 (stronger) |
| Earnings | 100 (stronger) | 52 |
| Funding & liquidity | 93 (stronger) | 60 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 100th | 19th |
| Total assets | $467.2M | $488.8M |
| Deposits / shares | $398.3M | $441.6M |
| Capital ratio | 15.54% (stronger) | 6.90% |
| Problem loans | 0.05% | 0.02% (stronger) |
| Net charge-offs | 0.02% | -0.02% (stronger) |
| Return on assets | 2.36% (stronger) | 0.79% |
| Loans ÷ deposits | 56.1% (stronger) | 72.2% |
| Uninsured deposits | 21.2% (stronger) | 40.1% |
| Offices | 3 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Livingston has the higher TellerScore (98 vs 60). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Livingston leads on 5 and Citizens Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.