Side-by-side · Q2 2026 data
Citizens National Bank at Brownwood vs First State Bank
Metric by metric
| Measure | Citizens National Bank at Brownwood | First State Bank |
|---|---|---|
| TellerScore | 74 | 81 (stronger) |
| Capital cushion | 55 (stronger) | 51 |
| Loan quality | 75 | 100 (stronger) |
| Earnings | 79 | 81 (stronger) |
| Funding & liquidity | 94 | 97 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 57th | 80th |
| Total assets | $303.4M | $308.8M |
| Deposits / shares | $272.4M | $275.9M |
| Capital ratio | 10.47% (stronger) | 10.08% |
| Problem loans | 0.74% | 0.00% (stronger) |
| Net charge-offs | 0.06% | 0.00% (stronger) |
| Return on assets | 1.47% | 1.52% (stronger) |
| Loans ÷ deposits | 39.9% (stronger) | 60.5% |
| Uninsured deposits | 20.8% | 17.9% (stronger) |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (81 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank at Brownwood leads on 2 and First State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.