Side-by-side · Q2 2026 data
Citizens Bank vs State National Bank
Metric by metric
| Measure | Citizens Bank | State National Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 72 |
| Capital cushion | 51 | 76 (stronger) |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 100 (stronger) | 53 |
| Funding & liquidity | 80 (stronger) | 54 |
| Problem-loan coverage | 100 (stronger) | 86 |
| Peer percentile | 82nd | 45th |
| Total assets | $309.8M | $55.1M |
| Deposits / shares | $273.4M | $47.7M |
| Capital ratio | 10.07% | 12.60% (stronger) |
| Problem loans | 0.01% (stronger) | 0.35% |
| Net charge-offs | 0.00% | -0.07% (stronger) |
| Return on assets | 2.27% (stronger) | 0.83% |
| Loans ÷ deposits | 63.5% (stronger) | 90.3% |
| Uninsured deposits | 30.2% | 29.3% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank has the higher TellerScore (82 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 4 and State National Bank on 3. 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.