Side-by-side · Q2 2026 data
Citizens National Bank at Brownwood vs Sundown State Bank
Metric by metric
| Measure | Citizens National Bank at Brownwood | Sundown State Bank |
|---|---|---|
| TellerScore | 74 | 79 (stronger) |
| Capital cushion | 55 | 66 (stronger) |
| Loan quality | 75 (stronger) | 72 |
| Earnings | 79 | 100 (stronger) |
| Funding & liquidity | 94 (stronger) | 80 |
| Problem-loan coverage | 93 (stronger) | 92 |
| Peer percentile | 57th | 75th |
| Total assets | $303.4M | $307.7M |
| Deposits / shares | $272.4M | $269.6M |
| Capital ratio | 10.47% | 11.63% (stronger) |
| Problem loans | 0.74% (stronger) | 0.84% |
| Net charge-offs | 0.06% (stronger) | 0.09% |
| Return on assets | 1.47% | 4.15% (stronger) |
| Loans ÷ deposits | 39.9% (stronger) | 70.4% |
| Uninsured deposits | 20.8% (stronger) | 23.4% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sundown State Bank has the higher TellerScore (79 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank at Brownwood leads on 4 and Sundown State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.