Side-by-side · Q2 2026 data
HNB National Bank vs Citizens Bank
Metric by metric
| Measure | HNB National Bank | Citizens Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 54 |
| Capital cushion | 47 | 81 (stronger) |
| Loan quality | 98 (stronger) | 2 |
| Earnings | 100 (stronger) | 73 |
| Funding & liquidity | 86 (stronger) | 52 |
| Problem-loan coverage | 99 (stronger) | 65 |
| Peer percentile | 91st | 10th |
| Total assets | $1.3B | $357.4M |
| Deposits / shares | $1.2B | $305.4M |
| Capital ratio | 9.72% | 13.10% (stronger) |
| Problem loans | 0.06% (stronger) | 2.95% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 2.66% (stronger) | 1.33% |
| Loans ÷ deposits | 74.1% (stronger) | 101.2% |
| Uninsured deposits | 14.2% (stronger) | 21.3% |
| Offices | 17 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.2% | — |
HNB National Bank has the higher TellerScore (81 vs 54). On the 7 directional measures above (where higher or lower is clearly better), HNB National Bank leads on 6 and Citizens Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.