Side-by-side · Q2 2026 data
Town & Country Bank vs Citizens Bank & Trust Company
Metric by metric
| Measure | Town & Country Bank | Citizens Bank & Trust Company |
|---|---|---|
| TellerScore | 92 (stronger) | 54 |
| Capital cushion | 91 (stronger) | 64 |
| Loan quality | 100 (stronger) | 19 |
| Earnings | 87 (stronger) | 56 |
| Funding & liquidity | 81 (stronger) | 80 |
| Problem-loan coverage | 100 (stronger) | 68 |
| Peer percentile | 97th | 10th |
| Total assets | $228.9M | $242.3M |
| Deposits / shares | $194.1M | $199.8M |
| Capital ratio | 14.09% (stronger) | 11.45% |
| Problem loans | 0.00% (stronger) | 2.42% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.69% (stronger) | 0.89% |
| Loans ÷ deposits | 78.4% (stronger) | 80.1% |
| Uninsured deposits | 15.4% | 4.1% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.4% |
Town & Country Bank has the higher TellerScore (92 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Town & Country Bank leads on 6 and Citizens Bank & Trust Company on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.