Side-by-side · Q2 2026 data
The Citizens National Bank of Somerset vs Franklin Bank & Trust Company
Metric by metric
| Measure | The Citizens National Bank of Somerset | Franklin Bank & Trust Company |
|---|---|---|
| TellerScore | 75 | 75 |
| Capital cushion | 40 | 85 (stronger) |
| Loan quality | 94 (stronger) | 64 |
| Earnings | 89 (stronger) | 83 |
| Funding & liquidity | 81 (stronger) | 53 |
| Problem-loan coverage | 97 (stronger) | 87 |
| Peer percentile | 61st | 61st |
| Total assets | $700.9M | $803.6M |
| Deposits / shares | $569.0M | $650.7M |
| Capital ratio | 9.02% | 13.48% (stronger) |
| Problem loans | 0.18% (stronger) | 1.08% |
| Net charge-offs | 0.01% (stronger) | 0.15% |
| Return on assets | 1.73% (stronger) | 1.57% |
| Loans ÷ deposits | 66.5% (stronger) | 105.0% |
| Uninsured deposits | 26.2% | 16.8% (stronger) |
| Offices | 11 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.3% | 2.3% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The Citizens National Bank of Somerset leads on 4 and Franklin Bank & Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.