Side-by-side · Q2 2026 data
The Commercial Bank vs Citizens National Bank
Metric by metric
| Measure | The Commercial Bank | Citizens National Bank |
|---|---|---|
| TellerScore | 79 | 80 (stronger) |
| Capital cushion | 49 | 78 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 82 (stronger) | 48 |
| Funding & liquidity | 89 (stronger) | 78 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 75th | 77th |
| Total assets | $114.6M | $108.8M |
| Deposits / shares | $99.1M | $95.2M |
| Capital ratio | 9.95% | 12.82% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.56% (stronger) | 0.69% |
| Loans ÷ deposits | 44.5% | 38.9% (stronger) |
| Uninsured deposits | 24.8% (stronger) | 35.2% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens National Bank has the higher TellerScore (80 vs 79). On the 5 directional measures above (where higher or lower is clearly better), The Commercial Bank leads on 2 and Citizens National Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.