Side-by-side · Q2 2026 data
Citizens National Bank of Texas vs Golden Bank, National Association
Metric by metric
| Measure | Citizens National Bank of Texas | Golden Bank, National Association |
|---|---|---|
| TellerScore | 70 (stronger) | 66 |
| Capital cushion | 72 | 87 (stronger) |
| Loan quality | 53 (stronger) | 28 |
| Earnings | 100 (stronger) | 84 |
| Funding & liquidity | 47 | 55 (stronger) |
| Problem-loan coverage | 78 (stronger) | 75 |
| Peer percentile | 58th | 40th |
| Total assets | $2.2B | $2.3B |
| Deposits / shares | $1.9B | $1.9B |
| Capital ratio | 12.20% | 13.74% (stronger) |
| Problem loans | 1.42% (stronger) | 2.16% |
| Net charge-offs | 0.04% | -0.05% (stronger) |
| Return on assets | 2.49% (stronger) | 1.59% |
| Loans ÷ deposits | 101.2% | 99.9% (stronger) |
| Uninsured deposits | 25.7% | 19.8% (stronger) |
| Offices | 11 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.2% | 8.3% |
Citizens National Bank of Texas has the higher TellerScore (70 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank of Texas leads on 3 and Golden Bank, National Association on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.