Side-by-side · Q2 2026 data
First Mid Bank & Trust, National Association vs Citizens National Bank of Albion
Metric by metric
| Measure | First Mid Bank & Trust, National Association | Citizens National Bank of Albion |
|---|---|---|
| TellerScore | 70 | 88 (stronger) |
| Capital cushion | 57 | 100 (stronger) |
| Loan quality | 81 | 82 (stronger) |
| Earnings | 64 | 80 (stronger) |
| Funding & liquidity | 68 | 80 (stronger) |
| Problem-loan coverage | 92 | 96 (stronger) |
| Peer percentile | 58th | 92nd |
| Total assets | $9.1B | $348.5M |
| Deposits / shares | $7.6B | $283.9M |
| Capital ratio | 10.70% | 17.35% (stronger) |
| Problem loans | 0.58% | 0.54% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.14% |
| Return on assets | 1.10% | 1.51% (stronger) |
| Loans ÷ deposits | 89.7% | 78.5% (stronger) |
| Uninsured deposits | 17.1% | 16.8% (stronger) |
| Offices | 85 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.9% | — |
Citizens National Bank of Albion has the higher TellerScore (88 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First Mid Bank & Trust, National Association leads on 1 and Citizens National Bank of Albion on 6. 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.