Side-by-side · Q2 2026 data
First National Bank vs Citizens Bank
Metric by metric
| Measure | First National Bank | Citizens Bank |
|---|---|---|
| TellerScore | 61 | 71 (stronger) |
| Capital cushion | 45 | 48 (stronger) |
| Loan quality | 77 | 97 (stronger) |
| Earnings | 37 | 59 (stronger) |
| Funding & liquidity | 79 (stronger) | 68 |
| Problem-loan coverage | 91 | 99 (stronger) |
| Peer percentile | 20th | 47th |
| Total assets | $418.5M | $690.6M |
| Deposits / shares | $383.1M | $622.8M |
| Capital ratio | 9.50% | 9.78% (stronger) |
| Problem loans | 0.70% | 0.09% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.02% |
| Return on assets | 0.42% | 0.98% (stronger) |
| Loans ÷ deposits | 58.5% (stronger) | 74.1% |
| Uninsured deposits | 34.0% | 31.0% (stronger) |
| Offices | 7 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | 11.6% |
Citizens Bank has the higher TellerScore (71 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 2 and Citizens Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.