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 | 76 (stronger) |
| Capital cushion | 83 (stronger) | 53 |
| Loan quality | 65 | 100 (stronger) |
| Earnings | 91 (stronger) | 77 |
| Funding & liquidity | 24 | 67 (stronger) |
| Problem-loan coverage | 85 | 100 (stronger) |
| Peer percentile | 47th | 64th |
| Total assets | $510.6M | $507.0M |
| Deposits / shares | $389.2M | $456.6M |
| Capital ratio | 13.35% (stronger) | 10.35% |
| Problem loans | 1.06% | 0.00% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.00% |
| Return on assets | 1.78% (stronger) | 1.42% |
| Loans ÷ deposits | 112.2% | 68.5% (stronger) |
| Uninsured deposits | 38.8% | 37.4% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Citizens State Bank has the higher TellerScore (76 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Texas Republic Bank, National Association leads on 3 and Citizens State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.