Side-by-side · Q2 2026 data
The Citizens National Bank vs Farmers and Drovers Bank
Metric by metric
| Measure | The Citizens National Bank | Farmers and Drovers Bank |
|---|---|---|
| TellerScore | 72 | 87 (stronger) |
| Capital cushion | 37 | 100 (stronger) |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 57 | 77 (stronger) |
| Funding & liquidity | 94 (stronger) | 65 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 50th | 91st |
| Total assets | $229.0M | $221.9M |
| Deposits / shares | $214.7M | $141.0M |
| Capital ratio | 8.66% | 25.39% (stronger) |
| Problem loans | 0.00% (stronger) | 0.37% |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 0.91% | 1.41% (stronger) |
| Loans ÷ deposits | 50.6% (stronger) | 90.7% |
| Uninsured deposits | 20.5% | 19.2% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.4% | 3.6% |
Farmers and Drovers Bank has the higher TellerScore (87 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank leads on 3 and Farmers and Drovers Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.