Side-by-side · Q2 2026 data
The Clay City Banking Co. vs Citizens National Bank of Albion
Metric by metric
| Measure | The Clay City Banking Co. | Citizens National Bank of Albion |
|---|---|---|
| TellerScore | 68 | 88 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 64 | 82 (stronger) |
| Earnings | 76 | 80 (stronger) |
| Funding & liquidity | 82 (stronger) | 80 |
| Problem-loan coverage | 85 | 96 (stronger) |
| Peer percentile | 37th | 92nd |
| Total assets | $253.3M | $348.5M |
| Deposits / shares | $227.8M | $283.9M |
| Capital ratio | 10.24% | 17.35% (stronger) |
| Problem loans | 1.09% | 0.54% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.14% |
| Return on assets | 1.40% | 1.51% (stronger) |
| Loans ÷ deposits | 70.5% (stronger) | 78.5% |
| Uninsured deposits | 22.0% | 16.8% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens National Bank of Albion has the higher TellerScore (88 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The Clay City Banking Co. leads on 2 and Citizens National Bank of Albion on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.