Side-by-side · Q2 2026 data
The City National Bank of San Saba vs Citizens State Bank
Metric by metric
| Measure | The City National Bank of San Saba | Citizens State Bank |
|---|---|---|
| TellerScore | 81 | 84 (stronger) |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 54 (stronger) | 53 |
| Funding & liquidity | 96 (stronger) | 61 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 68th | 76th |
| Total assets | $80.0M | $80.7M |
| Deposits / shares | $70.5M | $67.0M |
| Capital ratio | 12.01% | 15.98% (stronger) |
| Problem loans | 0.00% (stronger) | 0.01% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 0.86% (stronger) | 0.82% |
| Loans ÷ deposits | 10.6% (stronger) | 99.5% |
| Uninsured deposits | 19.0% | 14.8% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.9% | — |
Citizens State Bank has the higher TellerScore (84 vs 81). On the 7 directional measures above (where higher or lower is clearly better), The City National Bank of San Saba leads on 3 and Citizens State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.