Side-by-side · Q2 2026 data
Citizens National Bank at Brownwood vs Mid-Tex Federal Credit Union
Metric by metric
| Measure | Citizens National Bank at Brownwood | Mid-Tex Federal Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 65 |
| Capital cushion | 55 (stronger) | 42 |
| Loan quality | 75 (stronger) | 70 |
| Earnings | 79 (stronger) | 56 |
| Funding & liquidity | 94 | 98 (stronger) |
| Problem-loan coverage | 93 (stronger) | 89 |
| Peer percentile | 57th | 30th |
| Total assets | $303.4M | $36.4M |
| Deposits / shares | $272.4M | $33.7M |
| Capital ratio | 10.47% (stronger) | 9.20% |
| Problem loans | 0.74% (stronger) | 0.90% |
| Net charge-offs | 0.06% (stronger) | 0.07% |
| Return on assets | 1.47% (stronger) | 0.89% |
| Loans ÷ deposits | 39.9% (stronger) | 62.6% |
| Uninsured deposits | 20.8% | 4.8% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens National Bank at Brownwood has the higher TellerScore (74 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank at Brownwood leads on 6 and Mid-Tex Federal Credit Union on 1. 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.