Side-by-side · Q2 2026 data
Wayne Bank vs First Citizens Community Bank
Metric by metric
| Measure | Wayne Bank | First Citizens Community Bank |
|---|---|---|
| TellerScore | 53 (stronger) | 52 |
| Capital cushion | 38 | 46 (stronger) |
| Loan quality | 60 (stronger) | 43 |
| Earnings | 59 | 77 (stronger) |
| Funding & liquidity | 47 (stronger) | 26 |
| Problem-loan coverage | 81 (stronger) | 77 |
| Peer percentile | 11th | 9th |
| Total assets | $2.9B | $3.2B |
| Deposits / shares | $2.5B | $2.4B |
| Capital ratio | 8.82% | 9.64% (stronger) |
| Problem loans | 1.21% (stronger) | 1.70% |
| Net charge-offs | 0.17% | -0.00% (stronger) |
| Return on assets | 0.97% | 1.43% (stronger) |
| Loans ÷ deposits | 88.4% (stronger) | 99.1% |
| Uninsured deposits | 37.0% (stronger) | 46.4% |
| Offices | 32 | 43 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.8% | 7.8% |
Wayne Bank has the higher TellerScore (53 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Wayne Bank leads on 4 and First Citizens Community Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.