Side-by-side · Q2 2026 data
The First National Bank of Izard County vs The Citizens Bank
Metric by metric
| Measure | The First National Bank of Izard County | The Citizens Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 70 |
| Capital cushion | 100 (stronger) | 39 |
| Loan quality | 30 | 88 (stronger) |
| Earnings | 100 (stronger) | 82 |
| Funding & liquidity | 88 (stronger) | 67 |
| Problem-loan coverage | 93 | 94 (stronger) |
| Peer percentile | 77th | 58th |
| Total assets | $234.8M | $1.6B |
| Deposits / shares | $160.0M | $1.5B |
| Capital ratio | 31.14% (stronger) | 8.87% |
| Problem loans | 2.09% | 0.37% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.08% |
| Return on assets | 2.90% (stronger) | 1.55% |
| Loans ÷ deposits | 72.2% (stronger) | 85.2% |
| Uninsured deposits | 15.5% (stronger) | 22.8% |
| Offices | 5 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.3% |
The First National Bank of Izard County has the higher TellerScore (80 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Izard County leads on 6 and The Citizens Bank on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.