Side-by-side · Q2 2026 data
Citizens National Bank of Texas vs Falcon International Bank
Metric by metric
| Measure | Citizens National Bank of Texas | Falcon International Bank |
|---|---|---|
| TellerScore | 70 | 85 (stronger) |
| Capital cushion | 72 | 84 (stronger) |
| Loan quality | 53 | 100 (stronger) |
| Earnings | 100 (stronger) | 81 |
| Funding & liquidity | 47 | 60 (stronger) |
| Problem-loan coverage | 78 | 100 (stronger) |
| Peer percentile | 58th | 97th |
| Total assets | $2.2B | $2.2B |
| Deposits / shares | $1.9B | $2.0B |
| Capital ratio | 12.20% | 13.44% (stronger) |
| Problem loans | 1.42% | 0.00% (stronger) |
| Net charge-offs | 0.04% | 0.02% (stronger) |
| Return on assets | 2.49% (stronger) | 1.53% |
| Loans ÷ deposits | 101.2% | 73.7% (stronger) |
| Uninsured deposits | 25.7% (stronger) | 39.4% |
| Offices | 11 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.2% | 23.7% |
Falcon International Bank has the higher TellerScore (85 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank of Texas leads on 2 and Falcon International Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.