Side-by-side · Q2 2026 data
First Capital Bank vs Citizens National Bank
Metric by metric
| Measure | First Capital Bank | Citizens National Bank |
|---|---|---|
| TellerScore | 69 | 80 (stronger) |
| Capital cushion | 46 | 78 (stronger) |
| Loan quality | 77 | 100 (stronger) |
| Earnings | 87 (stronger) | 48 |
| Funding & liquidity | 71 | 78 (stronger) |
| Problem-loan coverage | 82 | 100 (stronger) |
| Peer percentile | 40th | 77th |
| Total assets | $107.3M | $108.8M |
| Deposits / shares | $96.8M | $95.2M |
| Capital ratio | 9.57% | 12.82% (stronger) |
| Problem loans | 0.70% | 0.00% (stronger) |
| Net charge-offs | 1.33% | 0.00% (stronger) |
| Return on assets | 1.67% (stronger) | 0.69% |
| Loans ÷ deposits | 76.8% | 38.9% (stronger) |
| Uninsured deposits | 26.3% (stronger) | 35.2% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.5% | — |
Citizens National Bank has the higher TellerScore (80 vs 69). On the 7 directional measures above (where higher or lower is clearly better), First Capital Bank leads on 2 and Citizens National Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.