Side-by-side · Q2 2026 data
The First National Bank of Oneida vs Citizens Community Bank
Metric by metric
| Measure | The First National Bank of Oneida | Citizens Community Bank |
|---|---|---|
| TellerScore | 82 | 90 (stronger) |
| Capital cushion | 60 | 96 (stronger) |
| Loan quality | 91 (stronger) | 87 |
| Earnings | 99 (stronger) | 92 |
| Funding & liquidity | 81 (stronger) | 73 |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 82nd | 95th |
| Total assets | $367.8M | $352.6M |
| Deposits / shares | $328.0M | $303.2M |
| Capital ratio | 10.98% | 14.58% (stronger) |
| Problem loans | 0.27% (stronger) | 0.38% |
| Net charge-offs | 0.01% (stronger) | 0.08% |
| Return on assets | 1.97% (stronger) | 1.79% |
| Loans ÷ deposits | 68.9% (stronger) | 73.5% |
| Uninsured deposits | 24.2% (stronger) | 27.6% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Community Bank has the higher TellerScore (90 vs 82). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Oneida leads on 5 and Citizens Community Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.