Side-by-side · Q2 2026 data
Citizens Trust Bank vs First National Community Bank
Metric by metric
| Measure | Citizens Trust Bank | First National Community Bank |
|---|---|---|
| TellerScore | 71 | 84 (stronger) |
| Capital cushion | 82 (stronger) | 79 |
| Loan quality | 46 | 86 (stronger) |
| Earnings | 83 | 96 (stronger) |
| Funding & liquidity | 63 | 64 (stronger) |
| Problem-loan coverage | 86 | 96 (stronger) |
| Peer percentile | 47th | 86th |
| Total assets | $790.3M | $754.7M |
| Deposits / shares | $678.1M | $653.2M |
| Capital ratio | 13.24% (stronger) | 12.92% |
| Problem loans | 1.63% | 0.43% (stronger) |
| Net charge-offs | 0.04% | -0.01% (stronger) |
| Return on assets | 1.58% | 1.90% (stronger) |
| Loans ÷ deposits | 56.8% (stronger) | 81.6% |
| Uninsured deposits | 48.1% | 28.2% (stronger) |
| Offices | 7 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.0% |
First National Community Bank has the higher TellerScore (84 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Citizens Trust Bank leads on 2 and First National Community Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.