Side-by-side · Q2 2026 data
Citizens National Bank vs Bowater Employees Credit Union
Metric by metric
| Measure | Citizens National Bank | Bowater Employees Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 75 |
| Capital cushion | 62 (stronger) | 58 |
| Loan quality | 99 (stronger) | 75 |
| Earnings | 100 (stronger) | 90 |
| Funding & liquidity | 58 | 79 (stronger) |
| Problem-loan coverage | 99 (stronger) | 89 |
| Peer percentile | 93rd | 66th |
| Total assets | $2.0B | $302.6M |
| Deposits / shares | $1.7B | $267.9M |
| Capital ratio | 11.17% (stronger) | 10.77% |
| Problem loans | 0.04% (stronger) | 0.74% |
| Net charge-offs | 0.00% (stronger) | 0.49% |
| Return on assets | 2.00% (stronger) | 1.74% |
| Loans ÷ deposits | 75.5% (stronger) | 81.2% |
| Uninsured deposits | 38.8% | 6.9% (stronger) |
| Offices | 21 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.1% | 23.3% |
Citizens National Bank has the higher TellerScore (82 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank leads on 6 and Bowater Employees 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.