Side-by-side · Q2 2026 data
Citizens National Bank vs First National Bank of Giddings
Metric by metric
| Measure | Citizens National Bank | First National Bank of Giddings |
|---|---|---|
| TellerScore | 86 (stronger) | 57 |
| Capital cushion | 77 (stronger) | 62 |
| Loan quality | 100 (stronger) | 31 |
| Earnings | 84 (stronger) | 73 |
| Funding & liquidity | 73 (stronger) | 58 |
| Problem-loan coverage | 100 (stronger) | 72 |
| Peer percentile | 90th | 14th |
| Total assets | $691.8M | $356.2M |
| Deposits / shares | $604.0M | $315.1M |
| Capital ratio | 12.73% (stronger) | 11.18% |
| Problem loans | 0.00% (stronger) | 2.07% |
| Net charge-offs | -0.00% (stronger) | 0.03% |
| Return on assets | 1.61% (stronger) | 1.32% |
| Loans ÷ deposits | 68.9% (stronger) | 79.9% |
| Uninsured deposits | 31.1% (stronger) | 35.3% |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens National Bank has the higher TellerScore (86 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank leads on 7 and First National Bank of Giddings on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Giddings, TX