Side-by-side · Q2 2026 data
The Citizens National Bank vs Andover State Bank
Metric by metric
| Measure | The Citizens National Bank | Andover State Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 59 |
| Capital cushion | 37 | 40 (stronger) |
| Loan quality | 100 (stronger) | 78 |
| Earnings | 57 | 63 (stronger) |
| Funding & liquidity | 94 (stronger) | 60 |
| Problem-loan coverage | 100 (stronger) | 63 |
| Peer percentile | 50th | 17th |
| Total assets | $229.0M | $232.2M |
| Deposits / shares | $214.7M | $208.2M |
| Capital ratio | 8.66% | 8.95% (stronger) |
| Problem loans | 0.00% (stronger) | 0.67% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 0.91% | 1.07% (stronger) |
| Loans ÷ deposits | 50.6% (stronger) | 90.0% |
| Uninsured deposits | 20.5% (stronger) | 24.4% |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.4% | 6.9% |
The Citizens National Bank has the higher TellerScore (72 vs 59). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank leads on 4 and Andover State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.