Side-by-side · Q2 2026 data
Citizens Bank of Kentucky, Inc. vs The First National Bank of Williamson
Bank
The First National Bank of Williamson
Williamson, West Virginia · $100 million – $1 billion
Metric by metric
| Measure | Citizens Bank of Kentucky, Inc. | The First National Bank of Williamson |
|---|---|---|
| TellerScore | 79 (stronger) | 52 |
| Capital cushion | 85 | 100 (stronger) |
| Loan quality | 72 (stronger) | 7 |
| Earnings | 61 (stronger) | 5 |
| Funding & liquidity | 95 (stronger) | 72 |
| Problem-loan coverage | 94 (stronger) | 81 |
| Peer percentile | 75th | 8th |
| Total assets | $669.9M | $120.3M |
| Deposits / shares | $571.0M | $95.9M |
| Capital ratio | 13.51% | 20.13% (stronger) |
| Problem loans | 0.85% (stronger) | 2.78% |
| Net charge-offs | 0.03% (stronger) | 0.19% |
| Return on assets | 1.04% (stronger) | -0.38% |
| Loans ÷ deposits | 59.8% (stronger) | 84.1% |
| Uninsured deposits | 20.0% | 19.1% (stronger) |
| Offices | 12 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | — |
Citizens Bank of Kentucky, Inc. has the higher TellerScore (79 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Kentucky, Inc. leads on 5 and The First National Bank of Williamson on 2. 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.