Side-by-side · Q2 2026 data
Citizens Bank & Trust Co. vs First National Bank of Clarksdale
Metric by metric
| Measure | Citizens Bank & Trust Co. | First National Bank of Clarksdale |
|---|---|---|
| TellerScore | 53 | 73 (stronger) |
| Capital cushion | 90 (stronger) | 78 |
| Loan quality | 0 | 79 (stronger) |
| Earnings | 57 (stronger) | 50 |
| Funding & liquidity | 65 | 67 (stronger) |
| Problem-loan coverage | 49 | 93 (stronger) |
| Peer percentile | 12th | 53rd |
| Total assets | $98.6M | $386.1M |
| Deposits / shares | $83.0M | $342.0M |
| Capital ratio | 14.00% (stronger) | 12.83% |
| Problem loans | 5.50% | 0.64% (stronger) |
| Net charge-offs | 0.72% | 0.01% (stronger) |
| Return on assets | 0.92% (stronger) | 0.75% |
| Loans ÷ deposits | 83.2% | 72.1% (stronger) |
| Uninsured deposits | 25.8% (stronger) | 34.1% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank of Clarksdale has the higher TellerScore (73 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust Co. leads on 3 and First National Bank of Clarksdale on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.