Side-by-side · Q2 2026 data
The First National Bank of Trinity vs Citizens State Bank
Metric by metric
| Measure | The First National Bank of Trinity | Citizens State Bank |
|---|---|---|
| TellerScore | 73 | 83 (stronger) |
| Capital cushion | 42 | 70 (stronger) |
| Loan quality | 100 (stronger) | 83 |
| Earnings | 53 | 97 (stronger) |
| Funding & liquidity | 100 (stronger) | 81 |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 48th | 84th |
| Total assets | $92.8M | $190.6M |
| Deposits / shares | $86.0M | $165.7M |
| Capital ratio | 9.16% | 12.04% (stronger) |
| Problem loans | 0.00% (stronger) | 0.50% |
| Net charge-offs | 0.21% (stronger) | 0.26% |
| Return on assets | 0.83% | 1.91% (stronger) |
| Loans ÷ deposits | 52.4% (stronger) | 72.8% |
| Uninsured deposits | 11.9% (stronger) | 20.3% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank has the higher TellerScore (83 vs 73). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Trinity leads on 4 and Citizens State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.