Side-by-side · Q2 2026 data
Citizens Bank vs The First National Bank of Hughes Springs
Bank
The First National Bank of Hughes Springs
Hughes Springs, Texas · $100 million – $1 billion
Metric by metric
| Measure | Citizens Bank | The First National Bank of Hughes Springs |
|---|---|---|
| TellerScore | 82 (stronger) | 63 |
| Capital cushion | 51 | 60 (stronger) |
| Loan quality | 100 (stronger) | 26 |
| Earnings | 100 | 100 |
| Funding & liquidity | 80 (stronger) | 75 |
| Problem-loan coverage | 100 (stronger) | 74 |
| Peer percentile | 82nd | 24th |
| Total assets | $309.8M | $319.5M |
| Deposits / shares | $273.4M | $283.1M |
| Capital ratio | 10.07% | 11.04% (stronger) |
| Problem loans | 0.01% (stronger) | 2.23% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 2.27% (stronger) | 2.18% |
| Loans ÷ deposits | 63.5% (stronger) | 72.6% |
| Uninsured deposits | 30.2% | 26.2% (stronger) |
| Offices | 4 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank has the higher TellerScore (82 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 5 and The First National Bank of Hughes Springs on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.