Side-by-side · Q2 2026 data
Security Bank and Trust Company vs Citizens National Bank
Metric by metric
| Measure | Security Bank and Trust Company | Citizens National Bank |
|---|---|---|
| TellerScore | 79 | 82 (stronger) |
| Capital cushion | 59 | 62 (stronger) |
| Loan quality | 99 | 99 |
| Earnings | 85 | 100 (stronger) |
| Funding & liquidity | 62 (stronger) | 58 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 88th | 93rd |
| Total assets | $1.7B | $2.0B |
| Deposits / shares | $1.4B | $1.7B |
| Capital ratio | 10.92% | 11.17% (stronger) |
| Problem loans | 0.02% (stronger) | 0.04% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.61% | 2.00% (stronger) |
| Loans ÷ deposits | 83.8% | 75.5% (stronger) |
| Uninsured deposits | 27.5% (stronger) | 38.8% |
| Offices | 11 | 21 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | 7.1% |
Citizens National Bank has the higher TellerScore (82 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Security Bank and Trust Company leads on 2 and Citizens National Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.