Side-by-side · Q2 2026 data
First National Bank of Central Texas vs Citizens State Bank
Metric by metric
| Measure | First National Bank of Central Texas | Citizens State Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 66 |
| Capital cushion | 58 | 79 (stronger) |
| Loan quality | 97 (stronger) | 34 |
| Earnings | 100 (stronger) | 86 |
| Funding & liquidity | 65 (stronger) | 60 |
| Problem-loan coverage | 98 (stronger) | 77 |
| Peer percentile | 91st | 40th |
| Total assets | $1.8B | $1.2B |
| Deposits / shares | $1.6B | $1.1B |
| Capital ratio | 10.83% | 12.95% (stronger) |
| Problem loans | 0.10% (stronger) | 1.99% |
| Net charge-offs | 0.02% (stronger) | 0.29% |
| Return on assets | 2.55% (stronger) | 1.65% |
| Loans ÷ deposits | 87.8% | 71.6% (stronger) |
| Uninsured deposits | 21.1% (stronger) | 40.8% |
| Offices | 8 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.7% |
First National Bank of Central Texas has the higher TellerScore (81 vs 66). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Central Texas leads on 5 and Citizens State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.