Side-by-side · Q2 2026 data
Citizens National Bank of Texas vs Centex Citizens Credit Union
Metric by metric
| Measure | Citizens National Bank of Texas | Centex Citizens Credit Union |
|---|---|---|
| TellerScore | 70 | 89 (stronger) |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 53 | 85 (stronger) |
| Earnings | 100 (stronger) | 69 |
| Funding & liquidity | 47 | 95 (stronger) |
| Problem-loan coverage | 78 | 97 (stronger) |
| Peer percentile | 58th | 94th |
| Total assets | $2.2B | $118.9M |
| Deposits / shares | $1.9B | $97.7M |
| Capital ratio | 12.20% | 17.16% (stronger) |
| Problem loans | 1.42% | 0.44% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.11% |
| Return on assets | 2.49% (stronger) | 1.23% |
| Loans ÷ deposits | 101.2% | 65.7% (stronger) |
| Uninsured deposits | 25.7% | 5.6% (stronger) |
| Offices | 11 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.2% | — |
Centex Citizens Credit Union has the higher TellerScore (89 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank of Texas leads on 2 and Centex Citizens Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Ennis, TX