Side-by-side · Q2 2026 data
Citizens National Bank vs National Bank & Trust
Metric by metric
| Measure | Citizens National Bank | National Bank & Trust |
|---|---|---|
| TellerScore | 86 (stronger) | 72 |
| Capital cushion | 77 (stronger) | 58 |
| Loan quality | 100 (stronger) | 94 |
| Earnings | 84 (stronger) | 37 |
| Funding & liquidity | 73 | 90 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 90th | 50th |
| Total assets | $691.8M | $242.0M |
| Deposits / shares | $604.0M | $203.5M |
| Capital ratio | 12.73% (stronger) | 10.83% |
| Problem loans | 0.00% (stronger) | 0.17% |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 1.61% (stronger) | 0.43% |
| Loans ÷ deposits | 68.9% | 65.2% (stronger) |
| Uninsured deposits | 31.1% | 19.8% (stronger) |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens National Bank has the higher TellerScore (86 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank leads on 5 and National Bank & Trust on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.