Side-by-side · Q2 2026 data
TPNB Bank vs Citizens Bank & Trust
Metric by metric
| Measure | TPNB Bank | Citizens Bank & Trust |
|---|---|---|
| TellerScore | 89 (stronger) | 85 |
| Capital cushion | 100 (stronger) | 75 |
| Loan quality | 100 (stronger) | 97 |
| Earnings | 57 | 74 (stronger) |
| Funding & liquidity | 87 | 87 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 94th | 88th |
| Total assets | $112.0M | $107.3M |
| Deposits / shares | $94.1M | $93.7M |
| Capital ratio | 15.15% (stronger) | 12.50% |
| Problem loans | 0.00% (stronger) | 0.08% |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 0.92% | 1.36% (stronger) |
| Loans ÷ deposits | 69.7% | 55.9% (stronger) |
| Uninsured deposits | 18.4% (stronger) | 27.3% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
TPNB Bank has the higher TellerScore (89 vs 85). On the 7 directional measures above (where higher or lower is clearly better), TPNB Bank leads on 5 and Citizens Bank & Trust on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.