Side-by-side · Q2 2026 data
United Southern Bank vs Citizens Bank & Trust Company
Metric by metric
| Measure | United Southern Bank | Citizens Bank & Trust Company |
|---|---|---|
| TellerScore | 81 (stronger) | 79 |
| Capital cushion | 77 | 81 (stronger) |
| Loan quality | 88 (stronger) | 81 |
| Earnings | 78 (stronger) | 69 |
| Funding & liquidity | 70 | 75 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 80th | 75th |
| Total assets | $353.7M | $383.4M |
| Deposits / shares | $308.3M | $333.9M |
| Capital ratio | 12.66% | 13.12% (stronger) |
| Problem loans | 0.37% (stronger) | 0.57% |
| Net charge-offs | -0.01% (stronger) | 0.03% |
| Return on assets | 1.46% (stronger) | 1.24% |
| Loans ÷ deposits | 90.1% | 60.6% (stronger) |
| Uninsured deposits | 12.4% (stronger) | 37.0% |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Southern Bank has the higher TellerScore (81 vs 79). On the 7 directional measures above (where higher or lower is clearly better), United Southern Bank leads on 5 and Citizens Bank & Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.