Side-by-side · Q2 2026 data
Citizens National Bank vs Independent Bank
Metric by metric
| Measure | Citizens National Bank | Independent Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 67 |
| Capital cushion | 62 (stronger) | 56 |
| Loan quality | 99 (stronger) | 72 |
| Earnings | 100 (stronger) | 70 |
| Funding & liquidity | 58 | 67 (stronger) |
| Problem-loan coverage | 99 (stronger) | 86 |
| Peer percentile | 93rd | 44th |
| Total assets | $2.0B | $1.9B |
| Deposits / shares | $1.7B | $1.6B |
| Capital ratio | 11.17% (stronger) | 10.60% |
| Problem loans | 0.04% (stronger) | 0.85% |
| Net charge-offs | 0.00% (stronger) | 0.36% |
| Return on assets | 2.00% (stronger) | 1.26% |
| Loans ÷ deposits | 75.5% (stronger) | 81.4% |
| Uninsured deposits | 38.8% | 25.4% (stronger) |
| Offices | 21 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.1% | — |
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 6 and Independent Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.