Side-by-side · Q2 2026 data
The Honesdale National Bank vs Citizens Savings Bank
Metric by metric
| Measure | The Honesdale National Bank | Citizens Savings Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 78 |
| Capital cushion | 87 | 100 (stronger) |
| Loan quality | 92 (stronger) | 91 |
| Earnings | 80 (stronger) | 30 |
| Funding & liquidity | 58 | 62 (stronger) |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 95th | 72nd |
| Total assets | $1.2B | $359.0M |
| Deposits / shares | $993.3M | $304.0M |
| Capital ratio | 13.74% | 15.12% (stronger) |
| Problem loans | 0.24% (stronger) | 0.27% |
| Net charge-offs | 0.08% | 0.00% (stronger) |
| Return on assets | 1.50% (stronger) | 0.24% |
| Loans ÷ deposits | 91.3% (stronger) | 98.1% |
| Uninsured deposits | 24.4% | 6.7% (stronger) |
| Offices | 15 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.4% | 6.0% |
The Honesdale National Bank has the higher TellerScore (84 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The Honesdale National Bank leads on 4 and Citizens Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Honesdale, PA
- Clarks Summit, PA