Side-by-side · Q2 2026 data
The Fairfield National Bank vs Citizens National Bank of Albion
Metric by metric
| Measure | The Fairfield National Bank | Citizens National Bank of Albion |
|---|---|---|
| TellerScore | 65 | 88 (stronger) |
| Capital cushion | 69 | 100 (stronger) |
| Loan quality | 50 | 82 (stronger) |
| Earnings | 47 | 80 (stronger) |
| Funding & liquidity | 91 (stronger) | 80 |
| Problem-loan coverage | 87 | 96 (stronger) |
| Peer percentile | 29th | 92nd |
| Total assets | $620.9M | $348.5M |
| Deposits / shares | $410.2M | $283.9M |
| Capital ratio | 11.89% | 17.35% (stronger) |
| Problem loans | 1.51% | 0.54% (stronger) |
| Net charge-offs | 0.31% | 0.14% (stronger) |
| Return on assets | 0.69% | 1.51% (stronger) |
| Loans ÷ deposits | 68.9% (stronger) | 78.5% |
| Uninsured deposits | 9.0% (stronger) | 16.8% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens National Bank of Albion has the higher TellerScore (88 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The Fairfield National Bank 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.