Side-by-side · Q2 2026 data
Wayne Bank vs Citizens Savings Bank
Metric by metric
| Measure | Wayne Bank | Citizens Savings Bank |
|---|---|---|
| TellerScore | 53 | 78 (stronger) |
| Capital cushion | 38 | 100 (stronger) |
| Loan quality | 60 | 91 (stronger) |
| Earnings | 59 (stronger) | 30 |
| Funding & liquidity | 47 | 62 (stronger) |
| Problem-loan coverage | 81 | 97 (stronger) |
| Peer percentile | 11th | 72nd |
| Total assets | $2.9B | $359.0M |
| Deposits / shares | $2.5B | $304.0M |
| Capital ratio | 8.82% | 15.12% (stronger) |
| Problem loans | 1.21% | 0.27% (stronger) |
| Net charge-offs | 0.17% | 0.00% (stronger) |
| Return on assets | 0.97% (stronger) | 0.24% |
| Loans ÷ deposits | 88.4% (stronger) | 98.1% |
| Uninsured deposits | 37.0% | 6.7% (stronger) |
| Offices | 32 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.8% | 6.0% |
Citizens Savings Bank has the higher TellerScore (78 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Wayne Bank leads on 2 and Citizens Savings Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Scranton, PA
- Clarks Summit, PA
- Honesdale, PA