Side-by-side · Q2 2026 data
Tri-Valley Bank vs Citizens Savings Bank
Metric by metric
| Measure | Tri-Valley Bank | Citizens Savings Bank |
|---|---|---|
| TellerScore | 36 | 74 (stronger) |
| Capital cushion | 43 | 49 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 27 | 63 (stronger) |
| Funding & liquidity | 95 (stronger) | 79 |
| Problem-loan coverage | 35 | 100 (stronger) |
| Peer percentile | 2nd | 51st |
| Total assets | $82.8M | $77.9M |
| Deposits / shares | $77.4M | $64.6M |
| Capital ratio | 9.25% | 9.90% (stronger) |
| Problem loans | 4.09% | 0.00% (stronger) |
| Net charge-offs | 0.81% | 0.00% (stronger) |
| Return on assets | 0.18% | 1.07% (stronger) |
| Loans ÷ deposits | 62.6% (stronger) | 76.4% |
| Uninsured deposits | 17.8% (stronger) | 19.2% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Savings Bank has the higher TellerScore (74 vs 36). On the 7 directional measures above (where higher or lower is clearly better), Tri-Valley Bank leads on 2 and Citizens Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.