Side-by-side · Q2 2026 data
The Citizens Bank of Winfield vs First National Bank
Metric by metric
| Measure | The Citizens Bank of Winfield | First National Bank |
|---|---|---|
| TellerScore | 83 | 97 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 91 | 92 (stronger) |
| Earnings | 37 | 100 (stronger) |
| Funding & liquidity | 86 | 93 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 84th | 100th |
| Total assets | $301.3M | $372.7M |
| Deposits / shares | $215.2M | $305.5M |
| Capital ratio | 17.51% | 18.99% (stronger) |
| Problem loans | 0.26% | 0.25% (stronger) |
| Net charge-offs | 0.47% | 0.30% (stronger) |
| Return on assets | 0.43% | 2.51% (stronger) |
| Loans ÷ deposits | 52.2% | 47.4% (stronger) |
| Uninsured deposits | 27.9% | 21.9% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank has the higher TellerScore (97 vs 83). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank of Winfield leads on 0 and First National Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.