Side-by-side · Q2 2026 data
The Citizens National Bank of Somerset vs Peoples Exchange Bank
Metric by metric
| Measure | The Citizens National Bank of Somerset | Peoples Exchange Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 71 |
| Capital cushion | 40 | 50 (stronger) |
| Loan quality | 94 | 98 (stronger) |
| Earnings | 89 (stronger) | 71 |
| Funding & liquidity | 81 (stronger) | 50 |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 61st | 47th |
| Total assets | $700.9M | $609.8M |
| Deposits / shares | $569.0M | $522.7M |
| Capital ratio | 9.02% | 9.97% (stronger) |
| Problem loans | 0.18% | 0.06% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 1.73% (stronger) | 1.26% |
| Loans ÷ deposits | 66.5% (stronger) | 98.0% |
| Uninsured deposits | 26.2% (stronger) | 26.5% |
| Offices | 11 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.3% | 15.2% |
The Citizens National Bank of Somerset has the higher TellerScore (75 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank of Somerset leads on 5 and Peoples Exchange Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.