Side-by-side · Q2 2026 data
The First National Bank of Bastrop vs Citizens State Bank
Metric by metric
| Measure | The First National Bank of Bastrop | Citizens State Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 76 |
| Capital cushion | 66 (stronger) | 53 |
| Loan quality | 89 | 100 (stronger) |
| Earnings | 78 (stronger) | 77 |
| Funding & liquidity | 62 | 67 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 83rd | 64th |
| Total assets | $1.2B | $507.0M |
| Deposits / shares | $1.1B | $456.6M |
| Capital ratio | 11.61% (stronger) | 10.35% |
| Problem loans | 0.33% | 0.00% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.46% (stronger) | 1.42% |
| Loans ÷ deposits | 66.8% (stronger) | 68.5% |
| Uninsured deposits | 43.2% | 37.4% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.9% | — |
The First National Bank of Bastrop has the higher TellerScore (77 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Bastrop leads on 4 and Citizens State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.