Side-by-side · Q2 2026 data
First National Bank in Olney vs Citizens National Bank of Albion
Metric by metric
| Measure | First National Bank in Olney | Citizens National Bank of Albion |
|---|---|---|
| TellerScore | 64 | 88 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 47 | 82 (stronger) |
| Earnings | 68 | 80 (stronger) |
| Funding & liquidity | 87 (stronger) | 80 |
| Problem-loan coverage | 86 | 96 (stronger) |
| Peer percentile | 26th | 92nd |
| Total assets | $469.3M | $348.5M |
| Deposits / shares | $415.4M | $283.9M |
| Capital ratio | 10.83% | 17.35% (stronger) |
| Problem loans | 1.60% | 0.54% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.14% |
| Return on assets | 1.20% | 1.51% (stronger) |
| Loans ÷ deposits | 54.9% (stronger) | 78.5% |
| Uninsured deposits | 26.8% | 16.8% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens National Bank of Albion has the higher TellerScore (88 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First National Bank in Olney leads on 2 and Citizens National Bank of Albion on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Olney, IL