Side-by-side · Q2 2026 data
FSNB, National Association vs Citizens National Bank
Metric by metric
| Measure | FSNB, National Association | Citizens National Bank |
|---|---|---|
| TellerScore | 96 (stronger) | 82 |
| Capital cushion | 100 (stronger) | 62 |
| Loan quality | 88 | 99 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 100 (stronger) | 58 |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 99th | 93rd |
| Total assets | $478.3M | $2.0B |
| Deposits / shares | $369.7M | $1.7B |
| Capital ratio | 17.51% (stronger) | 11.17% |
| Problem loans | 0.36% | 0.04% (stronger) |
| Net charge-offs | 1.02% | 0.00% (stronger) |
| Return on assets | 3.46% (stronger) | 2.00% |
| Loans ÷ deposits | 39.2% (stronger) | 75.5% |
| Uninsured deposits | 8.2% (stronger) | 38.8% |
| Offices | 66 | 21 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.1% |
FSNB, National Association has the higher TellerScore (96 vs 82). On the 7 directional measures above (where higher or lower is clearly better), FSNB, National Association leads on 5 and Citizens National Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.