Side-by-side · Q2 2026 data
Citizens National Bank vs Incommons Bank, N.A.
Metric by metric
| Measure | Citizens National Bank | Incommons Bank, N.A. |
|---|---|---|
| TellerScore | 86 (stronger) | 73 |
| Capital cushion | 77 (stronger) | 52 |
| Loan quality | 100 (stronger) | 86 |
| Earnings | 84 | 84 |
| Funding & liquidity | 73 (stronger) | 67 |
| Problem-loan coverage | 100 (stronger) | 89 |
| Peer percentile | 90th | 53rd |
| Total assets | $691.8M | $277.6M |
| Deposits / shares | $604.0M | $245.8M |
| Capital ratio | 12.73% (stronger) | 10.20% |
| Problem loans | 0.00% (stronger) | 0.41% |
| Net charge-offs | -0.00% (stronger) | 0.04% |
| Return on assets | 1.61% (stronger) | 1.60% |
| Loans ÷ deposits | 68.9% (stronger) | 79.0% |
| Uninsured deposits | 31.1% | 28.1% (stronger) |
| Offices | 11 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 34.8% |
Citizens National Bank has the higher TellerScore (86 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank leads on 6 and Incommons Bank, N.A. on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.