Side-by-side · Q2 2026 data
The First National Bank of Mertzon vs Citizens State Bank
Metric by metric
| Measure | The First National Bank of Mertzon | Citizens State Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 44 |
| Capital cushion | 100 (stronger) | 82 |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 89 (stronger) | 42 |
| Funding & liquidity | 50 (stronger) | 34 |
| Problem-loan coverage | 100 (stronger) | 63 |
| Peer percentile | 95th | 4th |
| Total assets | $500.3M | $511.4M |
| Deposits / shares | $420.2M | $449.2M |
| Capital ratio | 15.75% (stronger) | 13.18% |
| Problem loans | 0.00% (stronger) | 3.10% |
| Net charge-offs | 0.00% (stronger) | 0.11% |
| Return on assets | 1.72% (stronger) | 0.55% |
| Loans ÷ deposits | 21.3% (stronger) | 82.0% |
| Uninsured deposits | 61.7% | 54.5% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Mertzon has the higher TellerScore (90 vs 44). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Mertzon leads on 6 and Citizens State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.