Side-by-side · Q2 2026 data
The First National Bank of Grayson vs Citizens Bank & Trust Company
Metric by metric
| Measure | The First National Bank of Grayson | Citizens Bank & Trust Company |
|---|---|---|
| TellerScore | 79 | 79 |
| Capital cushion | 80 | 81 (stronger) |
| Loan quality | 68 | 81 (stronger) |
| Earnings | 93 (stronger) | 69 |
| Funding & liquidity | 73 | 75 (stronger) |
| Problem-loan coverage | 89 | 95 (stronger) |
| Peer percentile | 75th | 75th |
| Total assets | $371.9M | $383.4M |
| Deposits / shares | $325.5M | $333.9M |
| Capital ratio | 12.98% | 13.12% (stronger) |
| Problem loans | 0.96% | 0.57% (stronger) |
| Net charge-offs | 0.03% | 0.03% (stronger) |
| Return on assets | 1.84% (stronger) | 1.24% |
| Loans ÷ deposits | 72.9% | 60.6% (stronger) |
| Uninsured deposits | 27.4% (stronger) | 37.0% |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.0% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The First National Bank of Grayson leads on 2 and Citizens Bank & Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.