Side-by-side · Q2 2026 data
The Citizens National Bank of Bluffton vs The North Side Bank and Trust Company
Metric by metric
| Measure | The Citizens National Bank of Bluffton | The North Side Bank and Trust Company |
|---|---|---|
| TellerScore | 71 | 74 (stronger) |
| Capital cushion | 60 | 62 (stronger) |
| Loan quality | 78 | 97 (stronger) |
| Earnings | 100 (stronger) | 65 |
| Funding & liquidity | 29 | 55 (stronger) |
| Problem-loan coverage | 90 | 99 (stronger) |
| Peer percentile | 63rd | 74th |
| Total assets | $1.1B | $1.2B |
| Deposits / shares | $863.6M | $989.5M |
| Capital ratio | 11.02% | 11.16% (stronger) |
| Problem loans | 0.66% | 0.10% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.33% |
| Return on assets | 2.45% (stronger) | 1.12% |
| Loans ÷ deposits | 100.7% | 75.1% (stronger) |
| Uninsured deposits | 42.9% | 42.1% (stronger) |
| Offices | 9 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.1% | — |
The North Side Bank and Trust Company has the higher TellerScore (74 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank of Bluffton leads on 2 and The North Side Bank and Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.