Side-by-side · Q2 2026 data
The First National Bank of Ballinger vs Citizens State Bank
Metric by metric
| Measure | The First National Bank of Ballinger | Citizens State Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 75 |
| Capital cushion | 55 | 57 (stronger) |
| Loan quality | 99 (stronger) | 85 |
| Earnings | 82 | 100 (stronger) |
| Funding & liquidity | 87 (stronger) | 50 |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 80th | 61st |
| Total assets | $275.3M | $270.1M |
| Deposits / shares | $244.9M | $239.6M |
| Capital ratio | 10.52% | 10.74% (stronger) |
| Problem loans | 0.03% (stronger) | 0.44% |
| Net charge-offs | 0.02% (stronger) | 0.38% |
| Return on assets | 1.54% | 2.55% (stronger) |
| Loans ÷ deposits | 61.6% (stronger) | 87.4% |
| Uninsured deposits | 25.2% (stronger) | 35.6% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Ballinger has the higher TellerScore (81 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Ballinger leads on 5 and Citizens State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.