Side-by-side · Q2 2026 data
Vermont State Bank vs Citizens Bank of Edinburg
Metric by metric
| Measure | Vermont State Bank | Citizens Bank of Edinburg |
|---|---|---|
| TellerScore | 73 | 79 (stronger) |
| Capital cushion | 100 (stronger) | 69 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 100 (stronger) | 58 |
| Funding & liquidity | 96 (stronger) | 81 |
| Problem-loan coverage | 83 | 100 (stronger) |
| Peer percentile | 48th | 63rd |
| Total assets | $31.0M | $29.0M |
| Deposits / shares | $21.0M | $25.4M |
| Capital ratio | 28.17% (stronger) | 11.93% |
| Problem loans | 5.08% | 0.00% (stronger) |
| Net charge-offs | 0.07% | 0.00% (stronger) |
| Return on assets | 6.34% (stronger) | 0.95% |
| Loans ÷ deposits | 64.2% | 32.7% (stronger) |
| Uninsured deposits | 5.3% (stronger) | 32.5% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank of Edinburg has the higher TellerScore (79 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Vermont State Bank leads on 3 and Citizens Bank of Edinburg on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.