Side-by-side · Q2 2026 data
Troy Bank & Trust Company vs Citizens Bank & Trust
Metric by metric
| Measure | Troy Bank & Trust Company | Citizens Bank & Trust |
|---|---|---|
| TellerScore | 67 | 67 |
| Capital cushion | 78 (stronger) | 39 |
| Loan quality | 55 | 97 (stronger) |
| Earnings | 75 (stronger) | 44 |
| Funding & liquidity | 41 | 83 (stronger) |
| Problem-loan coverage | 84 | 98 (stronger) |
| Peer percentile | 44th | 44th |
| Total assets | $1.6B | $1.2B |
| Deposits / shares | $1.4B | $1.1B |
| Capital ratio | 12.83% (stronger) | 8.93% |
| Problem loans | 1.35% | 0.08% (stronger) |
| Net charge-offs | 0.20% | 0.03% (stronger) |
| Return on assets | 1.37% (stronger) | 0.60% |
| Loans ÷ deposits | 74.6% | 56.0% (stronger) |
| Uninsured deposits | 55.1% | 30.3% (stronger) |
| Offices | 14 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.7% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Troy Bank & Trust Company leads on 2 and Citizens Bank & Trust on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.