Side-by-side · Q2 2026 data
Central National Bank vs The Citizens State Bank
Metric by metric
| Measure | Central National Bank | The Citizens State Bank |
|---|---|---|
| TellerScore | 78 | 81 (stronger) |
| Capital cushion | 60 | 71 (stronger) |
| Loan quality | 100 (stronger) | 81 |
| Earnings | 73 | 93 (stronger) |
| Funding & liquidity | 66 | 76 (stronger) |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 86th | 80th |
| Total assets | $1.4B | $336.2M |
| Deposits / shares | $1.2B | $294.5M |
| Capital ratio | 11.00% | 12.08% (stronger) |
| Problem loans | 0.01% (stronger) | 0.58% |
| Net charge-offs | 0.15% | -0.00% (stronger) |
| Return on assets | 1.33% | 1.81% (stronger) |
| Loans ÷ deposits | 65.5% (stronger) | 75.3% |
| Uninsured deposits | 40.5% | 22.9% (stronger) |
| Offices | 29 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | 1.4% |
The Citizens State Bank has the higher TellerScore (81 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Central National Bank leads on 2 and The Citizens State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Burlington, KS