Side-by-side · Q2 2026 data
The Citizens National Bank of Hillsboro vs Muenster State Bank
Metric by metric
| Measure | The Citizens National Bank of Hillsboro | Muenster State Bank |
|---|---|---|
| TellerScore | 82 | 98 (stronger) |
| Capital cushion | 75 | 98 (stronger) |
| Loan quality | 91 | 100 (stronger) |
| Earnings | 68 | 100 (stronger) |
| Funding & liquidity | 89 | 90 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 82nd | 100th |
| Total assets | $224.4M | $227.0M |
| Deposits / shares | $206.9M | $192.3M |
| Capital ratio | 12.53% | 14.78% (stronger) |
| Problem loans | 0.28% | 0.00% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 1.21% | 2.36% (stronger) |
| Loans ÷ deposits | 30.2% (stronger) | 42.5% |
| Uninsured deposits | 25.3% | 24.1% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Muenster State Bank has the higher TellerScore (98 vs 82). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank of Hillsboro leads on 2 and Muenster State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.