Side-by-side · Q2 2026 data
The First National Bank and Trust vs The Citizens Bank
Metric by metric
| Measure | The First National Bank and Trust | The Citizens Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 70 |
| Capital cushion | 65 (stronger) | 56 |
| Loan quality | 97 (stronger) | 86 |
| Earnings | 40 | 65 (stronger) |
| Funding & liquidity | 84 (stronger) | 64 |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 57th | 43rd |
| Total assets | $238.6M | $233.3M |
| Deposits / shares | $218.9M | $209.8M |
| Capital ratio | 11.54% (stronger) | 10.56% |
| Problem loans | 0.10% (stronger) | 0.42% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 0.50% | 1.12% (stronger) |
| Loans ÷ deposits | 67.8% (stronger) | 77.4% |
| Uninsured deposits | 22.8% (stronger) | 31.5% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
The First National Bank and Trust has the higher TellerScore (74 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank and Trust leads on 6 and The Citizens Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.