Side-by-side · Q2 2026 data
Builtwell Bank vs Citizens National Bank
Metric by metric
| Measure | Builtwell Bank | Citizens National Bank |
|---|---|---|
| TellerScore | 73 | 82 (stronger) |
| Capital cushion | 47 | 62 (stronger) |
| Loan quality | 81 | 99 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 61 (stronger) | 58 |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 70th | 93rd |
| Total assets | $2.3B | $2.0B |
| Deposits / shares | $2.0B | $1.7B |
| Capital ratio | 9.71% | 11.17% (stronger) |
| Problem loans | 0.57% | 0.04% (stronger) |
| Net charge-offs | -0.05% (stronger) | 0.00% |
| Return on assets | 2.07% (stronger) | 2.00% |
| Loans ÷ deposits | 76.6% | 75.5% (stronger) |
| Uninsured deposits | 35.9% (stronger) | 38.8% |
| Offices | 32 | 21 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.5% | 7.1% |
Citizens National Bank has the higher TellerScore (82 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Builtwell Bank leads on 3 and Citizens National Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.