Side-by-side · Q2 2026 data
Texas Republic Bank, National Association vs Citizens State Bank
Metric by metric
| Measure | Texas Republic Bank, National Association | Citizens State Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 44 |
| Capital cushion | 83 (stronger) | 82 |
| Loan quality | 65 (stronger) | 0 |
| Earnings | 91 (stronger) | 42 |
| Funding & liquidity | 24 | 34 (stronger) |
| Problem-loan coverage | 85 (stronger) | 63 |
| Peer percentile | 47th | 4th |
| Total assets | $510.6M | $511.4M |
| Deposits / shares | $389.2M | $449.2M |
| Capital ratio | 13.35% (stronger) | 13.18% |
| Problem loans | 1.06% (stronger) | 3.10% |
| Net charge-offs | -0.02% (stronger) | 0.11% |
| Return on assets | 1.78% (stronger) | 0.55% |
| Loans ÷ deposits | 112.2% | 82.0% (stronger) |
| Uninsured deposits | 38.8% (stronger) | 54.5% |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Texas Republic Bank, National Association has the higher TellerScore (71 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Texas Republic Bank, National Association leads on 6 and Citizens State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.