Side-by-side · Q2 2026 data
Classic Bank, National Association vs Citizens National Bank
Metric by metric
| Measure | Classic Bank, National Association | Citizens National Bank |
|---|---|---|
| TellerScore | 68 | 86 (stronger) |
| Capital cushion | 66 | 77 (stronger) |
| Loan quality | 58 | 100 (stronger) |
| Earnings | 75 | 84 (stronger) |
| Funding & liquidity | 67 | 73 (stronger) |
| Problem-loan coverage | 83 | 100 (stronger) |
| Peer percentile | 37th | 90th |
| Total assets | $657.5M | $691.8M |
| Deposits / shares | $576.2M | $604.0M |
| Capital ratio | 11.58% | 12.73% (stronger) |
| Problem loans | 1.26% | 0.00% (stronger) |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 1.39% | 1.61% (stronger) |
| Loans ÷ deposits | 90.9% | 68.9% (stronger) |
| Uninsured deposits | 17.0% (stronger) | 31.1% |
| Offices | 7 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.5% | — |
Citizens National Bank has the higher TellerScore (86 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Classic Bank, National Association leads on 1 and Citizens National Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Rockdale, TX
- Cameron, TX
- Giddings, TX