Side-by-side · Q2 2026 data
The Citizens National Bank of Bluffton vs First State Bank
Metric by metric
| Measure | The Citizens National Bank of Bluffton | First State Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 70 |
| Capital cushion | 60 (stronger) | 55 |
| Loan quality | 78 (stronger) | 71 |
| Earnings | 100 (stronger) | 64 |
| Funding & liquidity | 29 | 89 (stronger) |
| Problem-loan coverage | 90 | 91 (stronger) |
| Peer percentile | 63rd | 58th |
| Total assets | $1.1B | $1.2B |
| Deposits / shares | $863.6M | $1.1B |
| Capital ratio | 11.02% (stronger) | 10.47% |
| Problem loans | 0.66% (stronger) | 0.86% |
| Net charge-offs | -0.00% (stronger) | 0.03% |
| Return on assets | 2.45% (stronger) | 1.10% |
| Loans ÷ deposits | 100.7% | 51.5% (stronger) |
| Uninsured deposits | 42.9% | 25.0% (stronger) |
| Offices | 9 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.1% | — |
The Citizens National Bank of Bluffton has the higher TellerScore (71 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank of Bluffton leads on 5 and First State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.