Side-by-side · Q2 2026 data
Citizens National Bank of Crosbyton vs First National Bank of South Padre Island
Bank
First National Bank of South Padre Island
South Padre Island, Texas · Under $100 million in assets
Metric by metric
| Measure | Citizens National Bank of Crosbyton | First National Bank of South Padre Island |
|---|---|---|
| TellerScore | 98 (stronger) | 84 |
| Capital cushion | 100 (stronger) | 91 |
| Loan quality | 100 (stronger) | 59 |
| Earnings | 100 | 100 |
| Funding & liquidity | 87 | 88 (stronger) |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 99th | 76th |
| Total assets | $77.6M | $78.2M |
| Deposits / shares | $64.0M | $67.1M |
| Capital ratio | 16.81% (stronger) | 14.13% |
| Problem loans | 0.00% (stronger) | 1.24% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 2.16% | 2.27% (stronger) |
| Loans ÷ deposits | 43.6% (stronger) | 57.2% |
| Uninsured deposits | 26.5% | 26.2% (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 84). On the 6 directional measures above (where higher or lower is clearly better), Citizens National Bank of Crosbyton leads on 4 and First National Bank of South Padre Island on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.