Side-by-side · Q2 2026 data
First National Bank of Huntsville vs Citizens National Bank
Metric by metric
| Measure | First National Bank of Huntsville | Citizens National Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 80 |
| Capital cushion | 83 (stronger) | 78 |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 90 (stronger) | 48 |
| Funding & liquidity | 86 (stronger) | 78 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 95th | 77th |
| Total assets | $584.9M | $108.8M |
| Deposits / shares | $501.6M | $95.2M |
| Capital ratio | 13.29% (stronger) | 12.82% |
| Problem loans | 0.05% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.74% (stronger) | 0.69% |
| Loans ÷ deposits | 69.7% | 38.9% (stronger) |
| Uninsured deposits | 19.2% (stronger) | 35.2% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.4% | — |
First National Bank of Huntsville has the higher TellerScore (90 vs 80). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Huntsville leads on 4 and Citizens National Bank on 3. 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.
Where both have branches
- Crockett, TX