Side-by-side · Q2 2026 data
The Citizens National Bank of Meridian vs First State Bank
Metric by metric
| Measure | The Citizens National Bank of Meridian | First State Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 57 |
| Capital cushion | 63 (stronger) | 57 |
| Loan quality | 71 (stronger) | 61 |
| Earnings | 84 (stronger) | 34 |
| Funding & liquidity | 51 | 65 (stronger) |
| Problem-loan coverage | 86 (stronger) | 81 |
| Peer percentile | 58th | 14th |
| Total assets | $1.9B | $951.5M |
| Deposits / shares | $1.6B | $828.0M |
| Capital ratio | 11.28% (stronger) | 10.67% |
| Problem loans | 0.87% (stronger) | 1.18% |
| Net charge-offs | 0.02% (stronger) | 0.11% |
| Return on assets | 1.59% (stronger) | 0.34% |
| Loans ÷ deposits | 80.1% | 63.8% (stronger) |
| Uninsured deposits | 41.2% (stronger) | 42.8% |
| Offices | 25 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.9% |
The Citizens National Bank of Meridian has the higher TellerScore (70 vs 57). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank of Meridian leads on 6 and First State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.