Side-by-side · Q2 2026 data
The First National Bank in Falfurrias vs Citizens State Bank
Metric by metric
| Measure | The First National Bank in Falfurrias | Citizens State Bank |
|---|---|---|
| TellerScore | 79 | 84 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 89 (stronger) | 53 |
| Funding & liquidity | 82 (stronger) | 61 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 63rd | 76th |
| Total assets | $79.4M | $80.7M |
| Deposits / shares | $71.4M | $67.0M |
| Capital ratio | 9.82% | 15.98% (stronger) |
| Problem loans | 0.08% | 0.01% (stronger) |
| Net charge-offs | 0.10% | 0.00% (stronger) |
| Return on assets | 1.73% (stronger) | 0.82% |
| Loans ÷ deposits | 29.7% (stronger) | 99.5% |
| Uninsured deposits | 31.0% | 14.8% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank has the higher TellerScore (84 vs 79). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank in Falfurrias leads on 2 and Citizens State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.