Side-by-side · Q2 2026 data
The Citizens National Bank vs FNB Washington
Metric by metric
| Measure | The Citizens National Bank | FNB Washington |
|---|---|---|
| TellerScore | 72 | 92 (stronger) |
| Capital cushion | 37 | 100 (stronger) |
| Loan quality | 100 (stronger) | 94 |
| Earnings | 57 | 97 (stronger) |
| Funding & liquidity | 94 (stronger) | 61 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 50th | 92nd |
| Total assets | $229.0M | $87.8M |
| Deposits / shares | $214.7M | $57.4M |
| Capital ratio | 8.66% | 25.88% (stronger) |
| Problem loans | 0.00% (stronger) | 0.18% |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 0.91% | 1.94% (stronger) |
| Loans ÷ deposits | 50.6% (stronger) | 70.7% |
| Uninsured deposits | 20.5% (stronger) | 40.8% |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.4% | — |
FNB Washington has the higher TellerScore (92 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank leads on 3 and FNB Washington on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.