Side-by-side · Q2 2026 data
The Citizens National Bank vs United Bank & Trust
Metric by metric
| Measure | The Citizens National Bank | United Bank & Trust |
|---|---|---|
| TellerScore | 72 | 79 (stronger) |
| Capital cushion | 37 | 65 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 57 | 81 (stronger) |
| Funding & liquidity | 94 (stronger) | 58 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 50th | 75th |
| Total assets | $229.0M | $892.9M |
| Deposits / shares | $214.7M | $714.1M |
| Capital ratio | 8.66% | 11.51% (stronger) |
| Problem loans | 0.00% (stronger) | 0.00% |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 0.91% | 1.53% (stronger) |
| Loans ÷ deposits | 50.6% (stronger) | 92.9% |
| Uninsured deposits | 20.5% (stronger) | 23.5% |
| Offices | 6 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.4% | 14.2% |
United Bank & Trust 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 United Bank & Trust on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Concordia, KS
- Belleville, KS
- Clay Center, KS