Side-by-side · Q2 2026 data
FNB Picayune Bank vs Citizens Savings Bank
Metric by metric
| Measure | FNB Picayune Bank | Citizens Savings Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 81 |
| Capital cushion | 100 (stronger) | 93 |
| Loan quality | 58 | 75 (stronger) |
| Earnings | 100 (stronger) | 71 |
| Funding & liquidity | 83 (stronger) | 72 |
| Problem-loan coverage | 86 | 91 (stronger) |
| Peer percentile | 90th | 80th |
| Total assets | $282.3M | $329.1M |
| Deposits / shares | $241.0M | $282.4M |
| Capital ratio | 15.44% (stronger) | 14.33% |
| Problem loans | 1.26% | 0.74% (stronger) |
| Net charge-offs | 0.11% (stronger) | 0.17% |
| Return on assets | 3.28% (stronger) | 1.28% |
| Loans ÷ deposits | 75.1% (stronger) | 87.9% |
| Uninsured deposits | 17.0% | 11.0% (stronger) |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | 6.7% |
FNB Picayune Bank has the higher TellerScore (86 vs 81). On the 7 directional measures above (where higher or lower is clearly better), FNB Picayune Bank leads on 5 and Citizens Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.