Side-by-side · Q2 2026 data
The Citizens National Bank vs Union State Bank
Metric by metric
| Measure | The Citizens National Bank | Union State Bank |
|---|---|---|
| TellerScore | 72 | 89 (stronger) |
| Capital cushion | 37 | 77 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 57 | 78 (stronger) |
| Funding & liquidity | 94 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 50th | 87th |
| Total assets | $229.0M | $44.3M |
| Deposits / shares | $214.7M | $39.1M |
| Capital ratio | 8.66% | 12.65% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.01% | -0.33% (stronger) |
| Return on assets | 0.91% | 1.46% (stronger) |
| Loans ÷ deposits | 50.6% | 47.5% (stronger) |
| Uninsured deposits | 20.5% | 13.7% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.4% | — |
Union State Bank has the higher TellerScore (89 vs 72). On the 6 directional measures above (where higher or lower is clearly better), The Citizens National Bank leads on 0 and Union State Bank on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.