Side-by-side · Q2 2026 data
The First National Bank of Fort Smith vs Citizens' Bank & Trust Co.
Metric by metric
| Measure | The First National Bank of Fort Smith | Citizens' Bank & Trust Co. |
|---|---|---|
| TellerScore | 78 | 82 (stronger) |
| Capital cushion | 61 | 68 (stronger) |
| Loan quality | 85 | 93 (stronger) |
| Earnings | 100 (stronger) | 82 |
| Funding & liquidity | 60 | 81 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 86th | 82nd |
| Total assets | $2.3B | $566.4M |
| Deposits / shares | $2.0B | $503.2M |
| Capital ratio | 11.08% | 11.78% (stronger) |
| Problem loans | 0.44% | 0.20% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.10% |
| Return on assets | 2.04% (stronger) | 1.55% |
| Loans ÷ deposits | 77.4% | 60.8% (stronger) |
| Uninsured deposits | 35.6% | 31.2% (stronger) |
| Offices | 24 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.2% | — |
Citizens' Bank & Trust Co. has the higher TellerScore (82 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Fort Smith leads on 2 and Citizens' Bank & Trust Co. on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.