Side-by-side · Q2 2026 data
Citizens National Bank vs SouthStar Bank, S.S.B.
Metric by metric
| Measure | Citizens National Bank | SouthStar Bank, S.S.B. |
|---|---|---|
| TellerScore | 86 (stronger) | 77 |
| Capital cushion | 77 | 83 (stronger) |
| Loan quality | 100 (stronger) | 79 |
| Earnings | 84 (stronger) | 82 |
| Funding & liquidity | 73 (stronger) | 47 |
| Problem-loan coverage | 100 (stronger) | 87 |
| Peer percentile | 90th | 83rd |
| Total assets | $691.8M | $1.4B |
| Deposits / shares | $604.0M | $1.1B |
| Capital ratio | 12.73% | 13.28% (stronger) |
| Problem loans | 0.00% (stronger) | 0.62% |
| Net charge-offs | -0.00% (stronger) | 0.07% |
| Return on assets | 1.61% (stronger) | 1.55% |
| Loans ÷ deposits | 68.9% (stronger) | 91.9% |
| Uninsured deposits | 31.1% (stronger) | 34.2% |
| Offices | 11 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.5% |
Citizens National Bank has the higher TellerScore (86 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank leads on 6 and SouthStar Bank, S.S.B. on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.