Side-by-side · Q2 2026 data
Citizens National Bank vs The Buckholts State Bank
Metric by metric
| Measure | Citizens National Bank | The Buckholts State Bank |
|---|---|---|
| TellerScore | 86 | 96 (stronger) |
| Capital cushion | 77 | 100 (stronger) |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 84 | 100 (stronger) |
| Funding & liquidity | 73 | 78 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 90th | 99th |
| Total assets | $691.8M | $138.8M |
| Deposits / shares | $604.0M | $114.4M |
| Capital ratio | 12.73% | 17.62% (stronger) |
| Problem loans | 0.00% (stronger) | 0.02% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.61% | 2.89% (stronger) |
| Loans ÷ deposits | 68.9% (stronger) | 75.4% |
| Uninsured deposits | 31.1% | 21.5% (stronger) |
| Offices | 11 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Buckholts State Bank has the higher TellerScore (96 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank leads on 3 and The Buckholts State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Cameron, TX