Side-by-side · Q2 2026 data
Citizens National Bank vs SouthEast Bank
Metric by metric
| Measure | Citizens National Bank | SouthEast Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 36 |
| Capital cushion | 62 (stronger) | 35 |
| Loan quality | 99 (stronger) | 11 |
| Earnings | 100 (stronger) | 50 |
| Funding & liquidity | 58 (stronger) | 55 |
| Problem-loan coverage | 99 (stronger) | 49 |
| Peer percentile | 93rd | 1st |
| Total assets | $2.0B | $3.6B |
| Deposits / shares | $1.7B | $3.2B |
| Capital ratio | 11.17% (stronger) | 8.51% |
| Problem loans | 0.04% (stronger) | 2.66% |
| Net charge-offs | 0.00% (stronger) | 0.10% |
| Return on assets | 2.00% (stronger) | 0.75% |
| Loans ÷ deposits | 75.5% (stronger) | 96.1% |
| Uninsured deposits | 38.8% | 23.4% (stronger) |
| Offices | 21 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.1% | 11.7% |
Citizens National Bank has the higher TellerScore (82 vs 36). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank leads on 6 and SouthEast Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.