Side-by-side · Q2 2026 data
The Waterford Commercial and Savings Bank vs The Citizens Bank Company
Metric by metric
| Measure | The Waterford Commercial and Savings Bank | The Citizens Bank Company |
|---|---|---|
| TellerScore | 83 | 86 (stronger) |
| Capital cushion | 86 | 86 |
| Loan quality | 97 (stronger) | 87 |
| Earnings | 52 | 78 (stronger) |
| Funding & liquidity | 82 | 86 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 73rd | 90th |
| Total assets | $60.0M | $334.6M |
| Deposits / shares | $52.1M | $291.0M |
| Capital ratio | 13.60% (stronger) | 13.56% |
| Problem loans | 0.09% (stronger) | 0.39% |
| Net charge-offs | -0.13% (stronger) | 0.03% |
| Return on assets | 0.80% | 1.46% (stronger) |
| Loans ÷ deposits | 78.2% | 63.8% (stronger) |
| Uninsured deposits | 9.9% (stronger) | 24.5% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | — |
The Citizens Bank Company has the higher TellerScore (86 vs 83). On the 7 directional measures above (where higher or lower is clearly better), The Waterford Commercial and Savings Bank leads on 4 and The Citizens Bank Company on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.