Side-by-side · Q2 2026 data
Citizens Bank vs First National Bank of Tennessee
Metric by metric
| Measure | Citizens Bank | First National Bank of Tennessee |
|---|---|---|
| TellerScore | 75 | 86 (stronger) |
| Capital cushion | 76 (stronger) | 66 |
| Loan quality | 62 | 91 (stronger) |
| Earnings | 98 | 100 (stronger) |
| Funding & liquidity | 54 | 91 (stronger) |
| Problem-loan coverage | 86 | 98 (stronger) |
| Peer percentile | 77th | 97th |
| Total assets | $1.4B | $1.4B |
| Deposits / shares | $1.2B | $1.2B |
| Capital ratio | 12.65% (stronger) | 11.55% |
| Problem loans | 1.14% | 0.28% (stronger) |
| Net charge-offs | 0.47% | 0.01% (stronger) |
| Return on assets | 1.94% | 2.11% (stronger) |
| Loans ÷ deposits | 94.9% | 58.6% (stronger) |
| Uninsured deposits | 24.8% | 23.1% (stronger) |
| Offices | 13 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.7% | — |
First National Bank of Tennessee has the higher TellerScore (86 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 1 and First National Bank of Tennessee on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.