Side-by-side · Q2 2026 data
Citizens National Bank of Crosbyton vs Citizens State Bank of Luling
Metric by metric
| Measure | Citizens National Bank of Crosbyton | Citizens State Bank of Luling |
|---|---|---|
| TellerScore | 98 (stronger) | 69 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 44 |
| Earnings | 100 (stronger) | 39 |
| Funding & liquidity | 87 (stronger) | 75 |
| Problem-loan coverage | 100 (stronger) | 91 |
| Peer percentile | 99th | 37th |
| Total assets | $77.6M | $73.8M |
| Deposits / shares | $64.0M | $55.4M |
| Capital ratio | 16.81% | 21.53% (stronger) |
| Problem loans | 0.00% (stronger) | 1.68% |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 2.16% (stronger) | 0.47% |
| Loans ÷ deposits | 43.6% (stronger) | 85.4% |
| Uninsured deposits | 26.5% | 11.5% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens National Bank of Crosbyton has the higher TellerScore (98 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank of Crosbyton leads on 5 and Citizens State Bank of Luling on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.