Side-by-side · Q2 2026 data
Citizens 1st Bank vs Texas National Bank of Jacksonville
Metric by metric
| Measure | Citizens 1st Bank | Texas National Bank of Jacksonville |
|---|---|---|
| TellerScore | 83 (stronger) | 50 |
| Capital cushion | 100 (stronger) | 51 |
| Loan quality | 82 (stronger) | 66 |
| Earnings | 89 (stronger) | 6 |
| Funding & liquidity | 34 | 63 (stronger) |
| Problem-loan coverage | 96 (stronger) | 79 |
| Peer percentile | 84th | 7th |
| Total assets | $811.0M | $852.4M |
| Deposits / shares | $615.5M | $765.7M |
| Capital ratio | 20.52% (stronger) | 10.08% |
| Problem loans | 0.53% (stronger) | 1.03% |
| Net charge-offs | 0.26% (stronger) | 0.45% |
| Return on assets | 1.71% (stronger) | -0.34% |
| Loans ÷ deposits | 77.8% (stronger) | 83.8% |
| Uninsured deposits | 58.3% | 27.1% (stronger) |
| Offices | 4 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | — |
Citizens 1st Bank has the higher TellerScore (83 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Citizens 1st Bank leads on 6 and Texas National Bank of Jacksonville on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Tyler, TX
- Jacksonville, TX
- Rusk, TX