Side-by-side · Q2 2026 data
The Citizens National Bank of Somerset vs Whitaker Bank
Metric by metric
| Measure | The Citizens National Bank of Somerset | Whitaker Bank |
|---|---|---|
| TellerScore | 75 | 84 (stronger) |
| Capital cushion | 40 | 79 (stronger) |
| Loan quality | 94 (stronger) | 93 |
| Earnings | 89 (stronger) | 77 |
| Funding & liquidity | 81 (stronger) | 80 |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 61st | 95th |
| Total assets | $700.9M | $1.9B |
| Deposits / shares | $569.0M | $1.6B |
| Capital ratio | 9.02% | 12.89% (stronger) |
| Problem loans | 0.18% (stronger) | 0.21% |
| Net charge-offs | 0.01% (stronger) | 0.06% |
| Return on assets | 1.73% (stronger) | 1.42% |
| Loans ÷ deposits | 66.5% (stronger) | 67.3% |
| Uninsured deposits | 26.2% (stronger) | 26.8% |
| Offices | 11 | 44 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.3% | — |
Whitaker Bank has the higher TellerScore (84 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank of Somerset leads on 5 and Whitaker Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.