Side-by-side · Q2 2026 data
First National Community Bank vs Citizens First Bank
Metric by metric
| Measure | First National Community Bank | Citizens First Bank |
|---|---|---|
| TellerScore | 71 | 75 (stronger) |
| Capital cushion | 44 | 53 (stronger) |
| Loan quality | 95 (stronger) | 85 |
| Earnings | 74 | 97 (stronger) |
| Funding & liquidity | 64 (stronger) | 57 |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 47th | 61st |
| Total assets | $345.3M | $344.5M |
| Deposits / shares | $311.8M | $283.1M |
| Capital ratio | 9.38% | 10.26% (stronger) |
| Problem loans | 0.16% (stronger) | 0.44% |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 1.35% | 1.93% (stronger) |
| Loans ÷ deposits | 75.5% (stronger) | 89.1% |
| Uninsured deposits | 33.8% | 28.3% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.2% | — |
Citizens First Bank has the higher TellerScore (75 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First National Community Bank leads on 2 and Citizens First Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.