Side-by-side · Q2 2026 data
The North Salem State Bank vs Citizens Bank
Metric by metric
| Measure | The North Salem State Bank | Citizens Bank |
|---|---|---|
| TellerScore | 64 | 71 (stronger) |
| Capital cushion | 40 | 48 (stronger) |
| Loan quality | 78 | 97 (stronger) |
| Earnings | 86 (stronger) | 59 |
| Funding & liquidity | 40 | 68 (stronger) |
| Problem-loan coverage | 89 | 99 (stronger) |
| Peer percentile | 26th | 47th |
| Total assets | $769.6M | $690.6M |
| Deposits / shares | $687.9M | $622.8M |
| Capital ratio | 8.98% | 9.78% (stronger) |
| Problem loans | 0.67% | 0.09% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.65% (stronger) | 0.98% |
| Loans ÷ deposits | 89.7% | 74.1% (stronger) |
| Uninsured deposits | 43.0% | 31.0% (stronger) |
| Offices | 9 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.9% | 11.6% |
Citizens Bank has the higher TellerScore (71 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The North Salem State Bank leads on 2 and Citizens Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.