Side-by-side · Q2 2026 data
Citizens National Bank vs Citizens State Bank
Metric by metric
| Measure | Citizens National Bank | Citizens State Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 66 |
| Capital cushion | 77 | 79 (stronger) |
| Loan quality | 100 (stronger) | 34 |
| Earnings | 84 | 86 (stronger) |
| Funding & liquidity | 73 (stronger) | 60 |
| Problem-loan coverage | 100 (stronger) | 77 |
| Peer percentile | 90th | 40th |
| Total assets | $691.8M | $1.2B |
| Deposits / shares | $604.0M | $1.1B |
| Capital ratio | 12.73% | 12.95% (stronger) |
| Problem loans | 0.00% (stronger) | 1.99% |
| Net charge-offs | -0.00% (stronger) | 0.29% |
| Return on assets | 1.61% | 1.65% (stronger) |
| Loans ÷ deposits | 68.9% (stronger) | 71.6% |
| Uninsured deposits | 31.1% (stronger) | 40.8% |
| Offices | 11 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.7% |
Citizens National Bank has the higher TellerScore (86 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank leads on 5 and Citizens State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.