Side-by-side · Q2 2026 data
The First National Bank of Fort Smith vs The Citizens Bank
Metric by metric
| Measure | The First National Bank of Fort Smith | The Citizens Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 70 |
| Capital cushion | 61 (stronger) | 39 |
| Loan quality | 85 | 88 (stronger) |
| Earnings | 100 (stronger) | 82 |
| Funding & liquidity | 60 | 67 (stronger) |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 86th | 58th |
| Total assets | $2.3B | $1.6B |
| Deposits / shares | $2.0B | $1.5B |
| Capital ratio | 11.08% (stronger) | 8.87% |
| Problem loans | 0.44% | 0.37% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.08% |
| Return on assets | 2.04% (stronger) | 1.55% |
| Loans ÷ deposits | 77.4% (stronger) | 85.2% |
| Uninsured deposits | 35.6% | 22.8% (stronger) |
| Offices | 24 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.2% | 13.3% |
The First National Bank of Fort Smith has the higher TellerScore (78 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Fort Smith leads on 5 and The Citizens Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.