Side-by-side · Q2 2026 data
Citizens Bank vs Amarillo National Bank
Metric by metric
| Measure | Citizens Bank | Amarillo National Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 62 |
| Capital cushion | 51 | 57 (stronger) |
| Loan quality | 100 (stronger) | 49 |
| Earnings | 100 (stronger) | 90 |
| Funding & liquidity | 80 (stronger) | 45 |
| Problem-loan coverage | 100 (stronger) | 82 |
| Peer percentile | 82nd | 35th |
| Total assets | $309.8M | $10.4B |
| Deposits / shares | $273.4M | $9.1B |
| Capital ratio | 10.07% | 10.75% (stronger) |
| Problem loans | 0.01% (stronger) | 1.54% |
| Net charge-offs | 0.00% (stronger) | 0.75% |
| Return on assets | 2.27% (stronger) | 1.76% |
| Loans ÷ deposits | 63.5% (stronger) | 77.6% |
| Uninsured deposits | 30.2% (stronger) | 48.6% |
| Offices | 4 | 31 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.9% |
Citizens Bank has the higher TellerScore (82 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 6 and Amarillo National Bank on 1. 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.