Side-by-side · Q2 2026 data
Citizens National Bank at Brownwood vs Coleman County State Bank
Metric by metric
| Measure | Citizens National Bank at Brownwood | Coleman County State Bank |
|---|---|---|
| TellerScore | 74 | 78 (stronger) |
| Capital cushion | 55 (stronger) | 36 |
| Loan quality | 75 | 98 (stronger) |
| Earnings | 79 | 100 (stronger) |
| Funding & liquidity | 94 (stronger) | 85 |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 57th | 72nd |
| Total assets | $303.4M | $295.1M |
| Deposits / shares | $272.4M | $267.1M |
| Capital ratio | 10.47% (stronger) | 8.56% |
| Problem loans | 0.74% | 0.05% (stronger) |
| Net charge-offs | 0.06% | 0.02% (stronger) |
| Return on assets | 1.47% | 2.05% (stronger) |
| Loans ÷ deposits | 39.9% (stronger) | 65.5% |
| Uninsured deposits | 20.8% (stronger) | 23.7% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.5% |
Coleman County State Bank has the higher TellerScore (78 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank at Brownwood leads on 3 and Coleman County State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.