Side-by-side · Q2 2026 data
First National Bank and Trust vs The Citizens State Bank
Metric by metric
| Measure | First National Bank and Trust | The Citizens State Bank |
|---|---|---|
| TellerScore | 72 | 81 (stronger) |
| Capital cushion | 97 (stronger) | 71 |
| Loan quality | 38 | 81 (stronger) |
| Earnings | 75 | 93 (stronger) |
| Funding & liquidity | 64 | 76 (stronger) |
| Problem-loan coverage | 83 | 94 (stronger) |
| Peer percentile | 50th | 80th |
| Total assets | $322.2M | $336.2M |
| Deposits / shares | $259.5M | $294.5M |
| Capital ratio | 14.73% (stronger) | 12.08% |
| Problem loans | 1.87% | 0.58% (stronger) |
| Net charge-offs | 0.40% | -0.00% (stronger) |
| Return on assets | 1.37% | 1.81% (stronger) |
| Loans ÷ deposits | 85.5% | 75.3% (stronger) |
| Uninsured deposits | 24.5% | 22.9% (stronger) |
| Offices | 5 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.4% |
The Citizens State Bank has the higher TellerScore (81 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First National Bank and Trust leads on 1 and The Citizens State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.