Side-by-side · Q2 2026 data
Citizens Bank and Trust vs First National Bank of Wauchula
Metric by metric
| Measure | Citizens Bank and Trust | First National Bank of Wauchula |
|---|---|---|
| TellerScore | 67 | 71 (stronger) |
| Capital cushion | 30 | 72 (stronger) |
| Loan quality | 88 (stronger) | 73 |
| Earnings | 77 (stronger) | 45 |
| Funding & liquidity | 79 | 85 (stronger) |
| Problem-loan coverage | 91 | 92 (stronger) |
| Peer percentile | 44th | 42nd |
| Total assets | $1.5B | $87.5M |
| Deposits / shares | $1.4B | $76.2M |
| Capital ratio | 8.04% | 12.16% (stronger) |
| Problem loans | 0.35% (stronger) | 0.80% |
| Net charge-offs | 0.06% | -0.03% (stronger) |
| Return on assets | 1.43% (stronger) | 0.63% |
| Loans ÷ deposits | 62.6% (stronger) | 73.7% |
| Uninsured deposits | 31.5% | 16.9% (stronger) |
| Offices | 16 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | — |
First National Bank of Wauchula has the higher TellerScore (71 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank and Trust leads on 3 and First National Bank of Wauchula on 4. 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.