Side-by-side · Q2 2026 data
First Century Bank vs Citizens National Bank
Metric by metric
| Measure | First Century Bank | Citizens National Bank |
|---|---|---|
| TellerScore | 73 | 82 (stronger) |
| Capital cushion | 44 | 62 (stronger) |
| Loan quality | 98 | 99 (stronger) |
| Earnings | 88 | 100 (stronger) |
| Funding & liquidity | 55 | 58 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 53rd | 93rd |
| Total assets | $809.8M | $2.0B |
| Deposits / shares | $722.3M | $1.7B |
| Capital ratio | 9.44% | 11.17% (stronger) |
| Problem loans | 0.07% | 0.04% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.69% | 2.00% (stronger) |
| Loans ÷ deposits | 96.9% | 75.5% (stronger) |
| Uninsured deposits | 22.7% (stronger) | 38.8% |
| Offices | 10 | 21 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.1% |
Citizens National Bank has the higher TellerScore (82 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First Century Bank leads on 1 and Citizens National Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.