Side-by-side · Q2 2026 data
FirstOak Bank vs The Citizens National Bank
Metric by metric
| Measure | FirstOak Bank | The Citizens National Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 72 |
| Capital cushion | 55 (stronger) | 37 |
| Loan quality | 100 | 100 |
| Earnings | 74 (stronger) | 57 |
| Funding & liquidity | 61 | 94 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 61st | 50th |
| Total assets | $241.2M | $229.0M |
| Deposits / shares | $212.3M | $214.7M |
| Capital ratio | 10.48% (stronger) | 8.66% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 1.35% (stronger) | 0.91% |
| Loans ÷ deposits | 87.2% | 50.6% (stronger) |
| Uninsured deposits | 26.5% | 20.5% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.5% | 2.4% |
FirstOak Bank has the higher TellerScore (75 vs 72). On the 6 directional measures above (where higher or lower is clearly better), FirstOak Bank leads on 4 and The Citizens National Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.