Side-by-side · Q2 2026 data
First United National Bank vs Citizens Savings Bank
Metric by metric
| Measure | First United National Bank | Citizens Savings Bank |
|---|---|---|
| TellerScore | 59 | 78 (stronger) |
| Capital cushion | 32 | 100 (stronger) |
| Loan quality | 70 | 91 (stronger) |
| Earnings | 46 (stronger) | 30 |
| Funding & liquidity | 98 (stronger) | 62 |
| Problem-loan coverage | 84 | 97 (stronger) |
| Peer percentile | 17th | 72nd |
| Total assets | $385.8M | $359.0M |
| Deposits / shares | $362.6M | $304.0M |
| Capital ratio | 8.16% | 15.12% (stronger) |
| Problem loans | 0.91% | 0.27% (stronger) |
| Net charge-offs | 0.06% | 0.00% (stronger) |
| Return on assets | 0.65% (stronger) | 0.24% |
| Loans ÷ deposits | 56.4% (stronger) | 98.1% |
| Uninsured deposits | 16.9% | 6.7% (stronger) |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.0% |
Citizens Savings Bank has the higher TellerScore (78 vs 59). On the 7 directional measures above (where higher or lower is clearly better), First United National Bank leads on 2 and Citizens Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.