Side-by-side · Q2 2026 data
The First National Bank of Manchester vs The Citizens Bank
Metric by metric
| Measure | The First National Bank of Manchester | The Citizens Bank |
|---|---|---|
| TellerScore | 55 | 76 (stronger) |
| Capital cushion | 49 (stronger) | 37 |
| Loan quality | 46 | 98 (stronger) |
| Earnings | 60 | 100 (stronger) |
| Funding & liquidity | 61 | 70 (stronger) |
| Problem-loan coverage | 79 | 99 (stronger) |
| Peer percentile | 11th | 64th |
| Total assets | $230.1M | $228.6M |
| Deposits / shares | $206.4M | $181.9M |
| Capital ratio | 9.86% (stronger) | 8.72% |
| Problem loans | 1.62% | 0.06% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.06% |
| Return on assets | 0.99% | 2.15% (stronger) |
| Loans ÷ deposits | 75.2% (stronger) | 82.8% |
| Uninsured deposits | 36.7% | 21.9% (stronger) |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens Bank has the higher TellerScore (76 vs 55). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Manchester leads on 3 and The Citizens Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.