Side-by-side · Q2 2026 data
The Brenham National Bank vs Citizens State Bank
Metric by metric
| Measure | The Brenham National Bank | Citizens State Bank |
|---|---|---|
| TellerScore | 69 | 76 (stronger) |
| Capital cushion | 68 (stronger) | 53 |
| Loan quality | 49 | 100 (stronger) |
| Earnings | 76 | 77 (stronger) |
| Funding & liquidity | 86 (stronger) | 67 |
| Problem-loan coverage | 84 | 100 (stronger) |
| Peer percentile | 40th | 64th |
| Total assets | $517.7M | $507.0M |
| Deposits / shares | $464.5M | $456.6M |
| Capital ratio | 11.76% (stronger) | 10.35% |
| Problem loans | 1.54% | 0.00% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.41% | 1.42% (stronger) |
| Loans ÷ deposits | 60.1% (stronger) | 68.5% |
| Uninsured deposits | 27.5% (stronger) | 37.4% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.1% | — |
Citizens State Bank has the higher TellerScore (76 vs 69). On the 7 directional measures above (where higher or lower is clearly better), The Brenham National Bank leads on 3 and Citizens State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.