Side-by-side · Q2 2026 data
Citizens Bank vs Citizens National Bank at Brownwood
Metric by metric
| Measure | Citizens Bank | Citizens National Bank at Brownwood |
|---|---|---|
| TellerScore | 82 (stronger) | 74 |
| Capital cushion | 51 | 55 (stronger) |
| Loan quality | 100 (stronger) | 75 |
| Earnings | 100 (stronger) | 79 |
| Funding & liquidity | 80 | 94 (stronger) |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 82nd | 57th |
| Total assets | $309.8M | $303.4M |
| Deposits / shares | $273.4M | $272.4M |
| Capital ratio | 10.07% | 10.47% (stronger) |
| Problem loans | 0.01% (stronger) | 0.74% |
| Net charge-offs | 0.00% (stronger) | 0.06% |
| Return on assets | 2.27% (stronger) | 1.47% |
| Loans ÷ deposits | 63.5% | 39.9% (stronger) |
| Uninsured deposits | 30.2% | 20.8% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank has the higher TellerScore (82 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 4 and Citizens National Bank at Brownwood on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.