Side-by-side · Q2 2026 data
The Merchants & Citizens Bank vs The Citizens National Bank of Quitman
Metric by metric
| Measure | The Merchants & Citizens Bank | The Citizens National Bank of Quitman |
|---|---|---|
| TellerScore | 79 | 81 (stronger) |
| Capital cushion | 82 (stronger) | 66 |
| Loan quality | 88 | 93 (stronger) |
| Earnings | 51 | 83 (stronger) |
| Funding & liquidity | 83 (stronger) | 75 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 75th | 80th |
| Total assets | $146.0M | $133.7M |
| Deposits / shares | $128.7M | $119.0M |
| Capital ratio | 13.24% (stronger) | 11.56% |
| Problem loans | 0.36% | 0.21% (stronger) |
| Net charge-offs | 0.16% | 0.09% (stronger) |
| Return on assets | 0.77% | 1.58% (stronger) |
| Loans ÷ deposits | 40.4% (stronger) | 68.5% |
| Uninsured deposits | 31.0% | 30.3% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.9% |
The Citizens National Bank of Quitman has the higher TellerScore (81 vs 79). On the 7 directional measures above (where higher or lower is clearly better), The Merchants & Citizens Bank leads on 2 and The Citizens National Bank of Quitman on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.