Side-by-side · Q2 2026 data
Citizens National Bank at Brownwood vs ValueBank Texas
Metric by metric
| Measure | Citizens National Bank at Brownwood | ValueBank Texas |
|---|---|---|
| TellerScore | 74 | 85 (stronger) |
| Capital cushion | 55 | 75 (stronger) |
| Loan quality | 75 | 100 (stronger) |
| Earnings | 79 (stronger) | 72 |
| Funding & liquidity | 94 (stronger) | 88 |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 57th | 88th |
| Total assets | $303.4M | $303.6M |
| Deposits / shares | $272.4M | $263.0M |
| Capital ratio | 10.47% | 12.54% (stronger) |
| Problem loans | 0.74% | 0.00% (stronger) |
| Net charge-offs | 0.06% | 0.00% (stronger) |
| Return on assets | 1.47% (stronger) | 1.29% |
| Loans ÷ deposits | 39.9% (stronger) | 62.6% |
| Uninsured deposits | 20.8% (stronger) | 24.1% |
| Offices | 2 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.1% |
ValueBank Texas has the higher TellerScore (85 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank at Brownwood leads on 3 and ValueBank Texas on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.