Side-by-side · Q2 2026 data
Citizens National Bank of Albion vs OSB Community Bank
Metric by metric
| Measure | Citizens National Bank of Albion | OSB Community Bank |
|---|---|---|
| TellerScore | 88 (stronger) | 69 |
| Capital cushion | 100 (stronger) | 66 |
| Loan quality | 82 | 88 (stronger) |
| Earnings | 80 (stronger) | 58 |
| Funding & liquidity | 80 (stronger) | 42 |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 92nd | 40th |
| Total assets | $348.5M | $355.6M |
| Deposits / shares | $283.9M | $293.5M |
| Capital ratio | 17.35% (stronger) | 11.64% |
| Problem loans | 0.54% | 0.36% (stronger) |
| Net charge-offs | 0.14% | 0.03% (stronger) |
| Return on assets | 1.51% (stronger) | 0.95% |
| Loans ÷ deposits | 78.5% (stronger) | 104.1% |
| Uninsured deposits | 16.8% (stronger) | 27.6% |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens National Bank of Albion has the higher TellerScore (88 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank of Albion leads on 5 and OSB Community Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.