Side-by-side · Q2 2026 data
Citizens National Bank vs Horizon Bank, SSB
Metric by metric
| Measure | Citizens National Bank | Horizon Bank, SSB |
|---|---|---|
| TellerScore | 86 (stronger) | 72 |
| Capital cushion | 77 (stronger) | 40 |
| Loan quality | 100 | 100 |
| Earnings | 84 | 90 (stronger) |
| Funding & liquidity | 73 (stronger) | 48 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 90th | 66th |
| Total assets | $691.8M | $2.6B |
| Deposits / shares | $604.0M | $2.2B |
| Capital ratio | 12.73% (stronger) | 8.95% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | -0.00% (stronger) | 0.02% |
| Return on assets | 1.61% | 1.74% (stronger) |
| Loans ÷ deposits | 68.9% (stronger) | 72.7% |
| Uninsured deposits | 31.1% (stronger) | 50.6% |
| Offices | 11 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens National Bank has the higher TellerScore (86 vs 72). On the 6 directional measures above (where higher or lower is clearly better), Citizens National Bank leads on 5 and Horizon Bank, SSB on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.