Side-by-side · Q2 2026 data
Citizens Bank vs First National Bank of Tennessee
Metric by metric
| Measure | Citizens Bank | First National Bank of Tennessee |
|---|---|---|
| TellerScore | 92 (stronger) | 86 |
| Capital cushion | 100 (stronger) | 66 |
| Loan quality | 79 | 91 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 82 | 91 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 97th | 97th |
| Total assets | $832.5M | $1.4B |
| Deposits / shares | $716.0M | $1.2B |
| Capital ratio | 16.29% (stronger) | 11.55% |
| Problem loans | 0.62% | 0.28% (stronger) |
| Net charge-offs | 0.01% | 0.01% (stronger) |
| Return on assets | 2.05% | 2.11% (stronger) |
| Loans ÷ deposits | 64.4% | 58.6% (stronger) |
| Uninsured deposits | 27.2% | 23.1% (stronger) |
| Offices | 7 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank has the higher TellerScore (92 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 2 and First National Bank of Tennessee on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Cookeville, TN
- Sparta, TN