Side-by-side · Q2 2026 data
The Citizens National Bank vs First Commerce Bank
Metric by metric
| Measure | The Citizens National Bank | First Commerce Bank |
|---|---|---|
| TellerScore | 72 | 79 (stronger) |
| Capital cushion | 37 | 68 (stronger) |
| Loan quality | 100 (stronger) | 91 |
| Earnings | 57 | 90 (stronger) |
| Funding & liquidity | 94 (stronger) | 55 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 50th | 75th |
| Total assets | $229.0M | $138.5M |
| Deposits / shares | $214.7M | $120.6M |
| Capital ratio | 8.66% | 11.79% (stronger) |
| Problem loans | 0.00% (stronger) | 0.26% |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 0.91% | 1.75% (stronger) |
| Loans ÷ deposits | 50.6% (stronger) | 93.1% |
| Uninsured deposits | 20.5% (stronger) | 26.4% |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.4% | — |
First Commerce Bank has the higher TellerScore (79 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank leads on 3 and First Commerce Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.