Side-by-side · Q2 2026 data
Citizens Bank vs First National Bank of Hereford
Metric by metric
| Measure | Citizens Bank | First National Bank of Hereford |
|---|---|---|
| TellerScore | 82 | 84 (stronger) |
| Capital cushion | 51 | 73 (stronger) |
| Loan quality | 100 (stronger) | 98 |
| Earnings | 100 | 100 |
| Funding & liquidity | 80 (stronger) | 52 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 82nd | 86th |
| Total assets | $309.8M | $344.6M |
| Deposits / shares | $273.4M | $294.4M |
| Capital ratio | 10.07% | 12.32% (stronger) |
| Problem loans | 0.01% (stronger) | 0.05% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 2.27% (stronger) | 2.20% |
| Loans ÷ deposits | 63.5% (stronger) | 99.8% |
| Uninsured deposits | 30.2% | 22.8% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.6% |
First National Bank of Hereford has the higher TellerScore (84 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 4 and First National Bank of Hereford on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.