Side-by-side · Q2 2026 data
Citizens 1st Bank vs The First National Bank of Winnsboro
Metric by metric
| Measure | Citizens 1st Bank | The First National Bank of Winnsboro |
|---|---|---|
| TellerScore | 83 | 86 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 82 (stronger) | 63 |
| Earnings | 89 | 97 (stronger) |
| Funding & liquidity | 34 | 78 (stronger) |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 84th | 90th |
| Total assets | $811.0M | $158.2M |
| Deposits / shares | $615.5M | $121.4M |
| Capital ratio | 20.52% | 22.72% (stronger) |
| Problem loans | 0.53% (stronger) | 1.10% |
| Net charge-offs | 0.26% | 0.09% (stronger) |
| Return on assets | 1.71% | 1.92% (stronger) |
| Loans ÷ deposits | 77.8% (stronger) | 82.6% |
| Uninsured deposits | 58.3% | 14.7% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | 20.7% |
The First National Bank of Winnsboro has the higher TellerScore (86 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Citizens 1st Bank leads on 2 and The First National Bank of Winnsboro 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.