Side-by-side · Q2 2026 data
The Cowboy Bank of Texas vs Citizens National Bank
Metric by metric
| Measure | The Cowboy Bank of Texas | Citizens National Bank |
|---|---|---|
| TellerScore | 77 | 80 (stronger) |
| Capital cushion | 100 (stronger) | 78 |
| Loan quality | 24 | 100 (stronger) |
| Earnings | 100 (stronger) | 48 |
| Funding & liquidity | 85 (stronger) | 78 |
| Problem-loan coverage | 79 | 100 (stronger) |
| Peer percentile | 68th | 77th |
| Total assets | $108.6M | $108.8M |
| Deposits / shares | $88.1M | $95.2M |
| Capital ratio | 17.51% (stronger) | 12.82% |
| Problem loans | 2.29% | 0.00% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 2.74% (stronger) | 0.69% |
| Loans ÷ deposits | 72.4% | 38.9% (stronger) |
| Uninsured deposits | 17.5% (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 77). On the 7 directional measures above (where higher or lower is clearly better), The Cowboy Bank of Texas leads on 3 and Citizens National Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.