Side-by-side · Q2 2026 data
The First National Bank of Waynesboro vs Citizens Community Bank
Metric by metric
| Measure | The First National Bank of Waynesboro | Citizens Community Bank |
|---|---|---|
| TellerScore | 94 (stronger) | 67 |
| Capital cushion | 100 (stronger) | 39 |
| Loan quality | 93 (stronger) | 70 |
| Earnings | 100 (stronger) | 78 |
| Funding & liquidity | 69 | 88 (stronger) |
| Problem-loan coverage | 99 (stronger) | 85 |
| Peer percentile | 98th | 34th |
| Total assets | $229.1M | $221.9M |
| Deposits / shares | $182.7M | $200.0M |
| Capital ratio | 19.14% (stronger) | 8.94% |
| Problem loans | 0.20% (stronger) | 0.89% |
| Net charge-offs | 0.05% (stronger) | 0.08% |
| Return on assets | 2.33% (stronger) | 1.45% |
| Loans ÷ deposits | 82.7% | 67.4% (stronger) |
| Uninsured deposits | 22.6% | 19.5% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Waynesboro has the higher TellerScore (94 vs 67). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Waynesboro leads on 5 and Citizens Community Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.