Side-by-side · Q2 2026 data
Citizens National Bank vs Austin Capital Bank SSB
Metric by metric
| Measure | Citizens National Bank | Austin Capital Bank SSB |
|---|---|---|
| TellerScore | 86 (stronger) | 67 |
| Capital cushion | 77 (stronger) | 52 |
| Loan quality | 100 (stronger) | 90 |
| Earnings | 84 (stronger) | 58 |
| Funding & liquidity | 73 (stronger) | 50 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 90th | 34th |
| Total assets | $691.8M | $395.4M |
| Deposits / shares | $604.0M | $308.4M |
| Capital ratio | 12.73% (stronger) | 10.22% |
| Problem loans | 0.00% (stronger) | 0.30% |
| Net charge-offs | -0.00% | -0.01% (stronger) |
| Return on assets | 1.61% (stronger) | 0.95% |
| Loans ÷ deposits | 68.9% (stronger) | 110.1% |
| Uninsured deposits | 31.1% | 13.0% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens National Bank has the higher TellerScore (86 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank leads on 5 and Austin Capital Bank SSB on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.