Side-by-side · Q2 2026 data
FNB Bank, Inc. vs The Citizens Bank
Metric by metric
| Measure | FNB Bank, Inc. | The Citizens Bank |
|---|---|---|
| TellerScore | 65 | 82 (stronger) |
| Capital cushion | 35 | 77 (stronger) |
| Loan quality | 77 | 89 (stronger) |
| Earnings | 69 | 89 (stronger) |
| Funding & liquidity | 86 (stronger) | 63 |
| Problem-loan coverage | 89 | 96 (stronger) |
| Peer percentile | 29th | 82nd |
| Total assets | $770.0M | $220.4M |
| Deposits / shares | $706.4M | $193.7M |
| Capital ratio | 8.48% | 12.67% (stronger) |
| Problem loans | 0.68% | 0.34% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.04% |
| Return on assets | 1.23% | 1.73% (stronger) |
| Loans ÷ deposits | 72.0% (stronger) | 85.2% |
| Uninsured deposits | 17.2% (stronger) | 26.0% |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens Bank has the higher TellerScore (82 vs 65). On the 7 directional measures above (where higher or lower is clearly better), FNB Bank, Inc. leads on 3 and The Citizens Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.