Side-by-side · Q2 2026 data
The First National Bank of Carmi vs Citizens National Bank of Albion
Metric by metric
| Measure | The First National Bank of Carmi | Citizens National Bank of Albion |
|---|---|---|
| TellerScore | 75 | 88 (stronger) |
| Capital cushion | 64 | 100 (stronger) |
| Loan quality | 88 (stronger) | 82 |
| Earnings | 68 | 80 (stronger) |
| Funding & liquidity | 68 | 80 (stronger) |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 61st | 92nd |
| Total assets | $622.2M | $348.5M |
| Deposits / shares | $545.5M | $283.9M |
| Capital ratio | 11.42% | 17.35% (stronger) |
| Problem loans | 0.35% (stronger) | 0.54% |
| Net charge-offs | -0.15% (stronger) | 0.14% |
| Return on assets | 1.19% | 1.51% (stronger) |
| Loans ÷ deposits | 77.5% (stronger) | 78.5% |
| Uninsured deposits | 28.5% | 16.8% (stronger) |
| Offices | 11 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.1% | — |
Citizens National Bank of Albion has the higher TellerScore (88 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Carmi leads on 3 and Citizens National Bank of Albion on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.