Side-by-side · Q2 2026 data
UBank vs Citizens Savings Bank and Trust Company
Metric by metric
| Measure | UBank | Citizens Savings Bank and Trust Company |
|---|---|---|
| TellerScore | 73 (stronger) | 32 |
| Capital cushion | 81 (stronger) | 46 |
| Loan quality | 77 (stronger) | 9 |
| Earnings | 68 (stronger) | 29 |
| Funding & liquidity | 45 (stronger) | 43 |
| Problem-loan coverage | 93 (stronger) | 41 |
| Peer percentile | 53rd | 1st |
| Total assets | $182.8M | $188.1M |
| Deposits / shares | $158.4M | $156.5M |
| Capital ratio | 13.14% (stronger) | 9.56% |
| Problem loans | 0.68% (stronger) | 2.72% |
| Net charge-offs | 0.00% (stronger) | 0.20% |
| Return on assets | 1.20% (stronger) | 0.22% |
| Loans ÷ deposits | 82.8% (stronger) | 101.3% |
| Uninsured deposits | 43.7% | 28.8% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.6% | 52.7% |
UBank has the higher TellerScore (73 vs 32). On the 7 directional measures above (where higher or lower is clearly better), UBank leads on 6 and Citizens Savings Bank and Trust Company on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.