Side-by-side · Q2 2026 data
Citizens Bank & Trust Co. vs Center National Bank
Metric by metric
| Measure | Citizens Bank & Trust Co. | Center National Bank |
|---|---|---|
| TellerScore | 69 | 80 (stronger) |
| Capital cushion | 36 | 61 (stronger) |
| Loan quality | 91 | 100 (stronger) |
| Earnings | 68 | 76 (stronger) |
| Funding & liquidity | 84 (stronger) | 76 |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 40th | 77th |
| Total assets | $329.0M | $242.6M |
| Deposits / shares | $297.4M | $215.5M |
| Capital ratio | 8.63% | 11.05% (stronger) |
| Problem loans | 0.26% | 0.00% (stronger) |
| Net charge-offs | 0.09% | -0.00% (stronger) |
| Return on assets | 1.21% | 1.41% (stronger) |
| Loans ÷ deposits | 55.2% (stronger) | 72.6% |
| Uninsured deposits | 29.9% | 25.8% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Center National Bank has the higher TellerScore (80 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust Co. leads on 1 and Center National Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.