Side-by-side · Q2 2026 data
Citizens National Bank of Texas vs First United Bank
Metric by metric
| Measure | Citizens National Bank of Texas | First United Bank |
|---|---|---|
| TellerScore | 70 | 77 (stronger) |
| Capital cushion | 72 (stronger) | 62 |
| Loan quality | 53 | 86 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 47 | 51 (stronger) |
| Problem-loan coverage | 78 | 95 (stronger) |
| Peer percentile | 58th | 83rd |
| Total assets | $2.2B | $2.4B |
| Deposits / shares | $1.9B | $2.1B |
| Capital ratio | 12.20% (stronger) | 11.17% |
| Problem loans | 1.42% | 0.41% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.10% |
| Return on assets | 2.49% (stronger) | 2.03% |
| Loans ÷ deposits | 101.2% | 69.8% (stronger) |
| Uninsured deposits | 25.7% (stronger) | 50.2% |
| Offices | 11 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.2% | 1.9% |
First United Bank has the higher TellerScore (77 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank of Texas leads on 4 and First United Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.