Side-by-side · Q2 2026 data
The Citizens National Bank of Hillsboro vs Sanger Bank
Metric by metric
| Measure | The Citizens National Bank of Hillsboro | Sanger Bank |
|---|---|---|
| TellerScore | 82 | 86 (stronger) |
| Capital cushion | 75 | 100 (stronger) |
| Loan quality | 91 (stronger) | 83 |
| Earnings | 68 (stronger) | 65 |
| Funding & liquidity | 89 (stronger) | 81 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 82nd | 90th |
| Total assets | $224.4M | $224.4M |
| Deposits / shares | $206.9M | $186.6M |
| Capital ratio | 12.53% | 16.53% (stronger) |
| Problem loans | 0.28% (stronger) | 0.51% |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 1.21% (stronger) | 1.13% |
| Loans ÷ deposits | 30.2% (stronger) | 66.0% |
| Uninsured deposits | 25.3% (stronger) | 27.0% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sanger Bank has the higher TellerScore (86 vs 82). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank of Hillsboro leads on 5 and Sanger Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.