Side-by-side · Q2 2026 data
FNNB Bank vs Citizens Savings Bank
Metric by metric
| Measure | FNNB Bank | Citizens Savings Bank |
|---|---|---|
| TellerScore | 70 | 74 (stronger) |
| Capital cushion | 47 | 49 (stronger) |
| Loan quality | 82 | 100 (stronger) |
| Earnings | 76 (stronger) | 63 |
| Funding & liquidity | 73 | 79 (stronger) |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 43rd | 51st |
| Total assets | $109.5M | $77.9M |
| Deposits / shares | $89.3M | $64.6M |
| Capital ratio | 9.74% | 9.90% (stronger) |
| Problem loans | 0.55% | 0.00% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 1.41% (stronger) | 1.07% |
| Loans ÷ deposits | 87.1% | 76.4% (stronger) |
| Uninsured deposits | 15.3% (stronger) | 19.2% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Savings Bank has the higher TellerScore (74 vs 70). On the 7 directional measures above (where higher or lower is clearly better), FNNB Bank leads on 3 and Citizens Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.