Side-by-side · Q2 2026 data
Tower Community Bank vs Citizens Community Bank
Metric by metric
| Measure | Tower Community Bank | Citizens Community Bank |
|---|---|---|
| TellerScore | 70 | 90 (stronger) |
| Capital cushion | 54 | 96 (stronger) |
| Loan quality | 86 | 87 (stronger) |
| Earnings | 67 | 92 (stronger) |
| Funding & liquidity | 64 | 73 (stronger) |
| Problem-loan coverage | 92 | 96 (stronger) |
| Peer percentile | 43rd | 95th |
| Total assets | $375.4M | $352.6M |
| Deposits / shares | $329.3M | $303.2M |
| Capital ratio | 10.43% | 14.58% (stronger) |
| Problem loans | 0.43% | 0.38% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.08% |
| Return on assets | 1.19% | 1.79% (stronger) |
| Loans ÷ deposits | 85.2% | 73.5% (stronger) |
| Uninsured deposits | 25.5% (stronger) | 27.6% |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.7% | — |
Citizens Community Bank has the higher TellerScore (90 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Tower Community Bank leads on 2 and Citizens Community Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.