Side-by-side · Q2 2026 data
The Citizens Bank vs First National Bank Texas
Metric by metric
| Measure | The Citizens Bank | First National Bank Texas |
|---|---|---|
| TellerScore | 80 (stronger) | 64 |
| Capital cushion | 41 | 41 |
| Loan quality | 99 (stronger) | 59 |
| Earnings | 100 (stronger) | 69 |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 83 |
| Peer percentile | 77th | 33rd |
| Total assets | $804.3M | $4.6B |
| Deposits / shares | $697.5M | $4.1B |
| Capital ratio | 9.11% | 9.12% (stronger) |
| Problem loans | 0.02% (stronger) | 1.23% |
| Net charge-offs | 0.06% (stronger) | 0.84% |
| Return on assets | 2.06% (stronger) | 1.21% |
| Loans ÷ deposits | 44.5% (stronger) | 55.1% |
| Uninsured deposits | 29.8% | 8.5% (stronger) |
| Offices | 6 | 355 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.9% | 3.8% |
The Citizens Bank has the higher TellerScore (80 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank leads on 5 and First National Bank Texas on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.