Side-by-side · Q2 2026 data
First Citizens Bank vs The First National Bank of Milaca
Metric by metric
| Measure | First Citizens Bank | The First National Bank of Milaca |
|---|---|---|
| TellerScore | 81 | 81 |
| Capital cushion | 70 (stronger) | 58 |
| Loan quality | 95 (stronger) | 88 |
| Earnings | 100 (stronger) | 98 |
| Funding & liquidity | 43 | 85 (stronger) |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 91st | 80th |
| Total assets | $1.8B | $293.2M |
| Deposits / shares | $1.6B | $259.8M |
| Capital ratio | 11.96% (stronger) | 10.77% |
| Problem loans | 0.16% (stronger) | 0.37% |
| Net charge-offs | 0.13% | -0.00% (stronger) |
| Return on assets | 2.09% (stronger) | 1.95% |
| Loans ÷ deposits | 83.2% | 75.5% (stronger) |
| Uninsured deposits | 45.6% | 14.0% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.0% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First Citizens Bank leads on 3 and The First National Bank of Milaca on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.