Side-by-side · Q2 2026 data
Citizens Bank vs The First National Bank of Middle Tennessee
Bank
The First National Bank of Middle Tennessee
Mcminnville, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Citizens Bank | The First National Bank of Middle Tennessee |
|---|---|---|
| TellerScore | 92 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 50 |
| Loan quality | 79 | 93 (stronger) |
| Earnings | 100 (stronger) | 61 |
| Funding & liquidity | 82 (stronger) | 42 |
| Problem-loan coverage | 95 (stronger) | 90 |
| Peer percentile | 97th | 31st |
| Total assets | $832.5M | $952.4M |
| Deposits / shares | $716.0M | $827.7M |
| Capital ratio | 16.29% (stronger) | 10.03% |
| Problem loans | 0.62% | 0.22% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.24% |
| Return on assets | 2.05% (stronger) | 1.04% |
| Loans ÷ deposits | 64.4% (stronger) | 94.7% |
| Uninsured deposits | 27.2% (stronger) | 36.3% |
| Offices | 7 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank has the higher TellerScore (92 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 6 and The First National Bank of Middle Tennessee on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.