Side-by-side · Q2 2026 data
Citizens National Bank vs Southland Federal Credit Union
Metric by metric
| Measure | Citizens National Bank | Southland Federal Credit Union |
|---|---|---|
| TellerScore | 80 | 85 (stronger) |
| Capital cushion | 78 | 94 (stronger) |
| Loan quality | 100 (stronger) | 79 |
| Earnings | 48 | 61 (stronger) |
| Funding & liquidity | 78 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 77th | 77th |
| Total assets | $108.8M | $89.2M |
| Deposits / shares | $95.2M | $76.0M |
| Capital ratio | 12.82% | 14.41% (stronger) |
| Problem loans | 0.00% (stronger) | 0.62% |
| Net charge-offs | 0.00% (stronger) | 0.83% |
| Return on assets | 0.69% | 1.03% (stronger) |
| Loans ÷ deposits | 38.9% (stronger) | 55.0% |
| Uninsured deposits | 35.2% | 0.0% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southland Federal Credit Union has the higher TellerScore (85 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank leads on 3 and Southland Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Crockett, TX