Side-by-side · Q2 2026 data
Citizens National Bank vs Bank of Tennessee
Metric by metric
| Measure | Citizens National Bank | Bank of Tennessee |
|---|---|---|
| TellerScore | 82 (stronger) | 67 |
| Capital cushion | 62 (stronger) | 46 |
| Loan quality | 99 (stronger) | 85 |
| Earnings | 100 (stronger) | 92 |
| Funding & liquidity | 58 (stronger) | 27 |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 93rd | 44th |
| Total assets | $2.0B | $2.3B |
| Deposits / shares | $1.7B | $1.8B |
| Capital ratio | 11.17% (stronger) | 9.63% |
| Problem loans | 0.04% (stronger) | 0.45% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 2.00% (stronger) | 1.79% |
| Loans ÷ deposits | 75.5% (stronger) | 100.0% |
| Uninsured deposits | 38.8% (stronger) | 45.3% |
| Offices | 21 | 21 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.1% | 16.3% |
Citizens National Bank has the higher TellerScore (82 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank leads on 7 and Bank of Tennessee on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.