Side-by-side · Q2 2026 data
Texas National Bank vs Citizens State Bank
Metric by metric
| Measure | Texas National Bank | Citizens State Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 66 |
| Capital cushion | 52 | 79 (stronger) |
| Loan quality | 91 (stronger) | 34 |
| Earnings | 67 | 86 (stronger) |
| Funding & liquidity | 58 | 60 (stronger) |
| Problem-loan coverage | 95 (stronger) | 77 |
| Peer percentile | 58th | 40th |
| Total assets | $1.2B | $1.2B |
| Deposits / shares | $1.1B | $1.1B |
| Capital ratio | 10.17% | 12.95% (stronger) |
| Problem loans | 0.28% (stronger) | 1.99% |
| Net charge-offs | 0.06% (stronger) | 0.29% |
| Return on assets | 1.16% | 1.65% (stronger) |
| Loans ÷ deposits | 69.8% (stronger) | 71.6% |
| Uninsured deposits | 43.8% | 40.8% (stronger) |
| Offices | 14 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.7% |
Texas National Bank has the higher TellerScore (70 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Texas National Bank leads on 4 and Citizens State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.