Side-by-side · Q2 2026 data
The Citizens National Bank of Somerset vs FNB Bank, Inc.
Metric by metric
| Measure | The Citizens National Bank of Somerset | FNB Bank, Inc. |
|---|---|---|
| TellerScore | 75 (stronger) | 65 |
| Capital cushion | 40 (stronger) | 35 |
| Loan quality | 94 (stronger) | 77 |
| Earnings | 89 (stronger) | 69 |
| Funding & liquidity | 81 | 86 (stronger) |
| Problem-loan coverage | 97 (stronger) | 89 |
| Peer percentile | 61st | 29th |
| Total assets | $700.9M | $770.0M |
| Deposits / shares | $569.0M | $706.4M |
| Capital ratio | 9.02% (stronger) | 8.48% |
| Problem loans | 0.18% (stronger) | 0.68% |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 1.73% (stronger) | 1.23% |
| Loans ÷ deposits | 66.5% (stronger) | 72.0% |
| Uninsured deposits | 26.2% | 17.2% (stronger) |
| Offices | 11 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.3% | — |
The Citizens National Bank of Somerset has the higher TellerScore (75 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank of Somerset leads on 6 and FNB Bank, Inc. on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.