Side-by-side · Q2 2026 data
The First National Bank of Oneida vs Citizens Bank
Metric by metric
| Measure | The First National Bank of Oneida | Citizens Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 75 |
| Capital cushion | 60 | 76 (stronger) |
| Loan quality | 91 (stronger) | 62 |
| Earnings | 99 (stronger) | 98 |
| Funding & liquidity | 81 (stronger) | 54 |
| Problem-loan coverage | 97 (stronger) | 86 |
| Peer percentile | 82nd | 77th |
| Total assets | $367.8M | $1.4B |
| Deposits / shares | $328.0M | $1.2B |
| Capital ratio | 10.98% | 12.65% (stronger) |
| Problem loans | 0.27% (stronger) | 1.14% |
| Net charge-offs | 0.01% (stronger) | 0.47% |
| Return on assets | 1.97% (stronger) | 1.94% |
| Loans ÷ deposits | 68.9% (stronger) | 94.9% |
| Uninsured deposits | 24.2% (stronger) | 24.8% |
| Offices | 4 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.7% |
The First National Bank of Oneida has the higher TellerScore (82 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Oneida leads on 6 and Citizens Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.