Side-by-side · Q2 2026 data
Clay County State Bank vs Citizens National Bank of Albion
Metric by metric
| Measure | Clay County State Bank | Citizens National Bank of Albion |
|---|---|---|
| TellerScore | 59 | 88 (stronger) |
| Capital cushion | 82 | 100 (stronger) |
| Loan quality | 0 | 82 (stronger) |
| Earnings | 80 | 80 |
| Funding & liquidity | 76 | 80 (stronger) |
| Problem-loan coverage | 70 | 96 (stronger) |
| Peer percentile | 17th | 92nd |
| Total assets | $104.3M | $348.5M |
| Deposits / shares | $91.7M | $283.9M |
| Capital ratio | 13.18% | 17.35% (stronger) |
| Problem loans | 3.82% | 0.54% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.14% |
| Return on assets | 1.50% | 1.51% (stronger) |
| Loans ÷ deposits | 51.1% (stronger) | 78.5% |
| Uninsured deposits | 36.6% | 16.8% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens National Bank of Albion has the higher TellerScore (88 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Clay County State Bank leads on 2 and Citizens National Bank of Albion on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.