Side-by-side · Q2 2026 data
The Pecos County State Bank vs Citizens National Bank at Brownwood
Metric by metric
| Measure | The Pecos County State Bank | Citizens National Bank at Brownwood |
|---|---|---|
| TellerScore | 73 | 74 (stronger) |
| Capital cushion | 66 (stronger) | 55 |
| Loan quality | 67 | 75 (stronger) |
| Earnings | 84 (stronger) | 79 |
| Funding & liquidity | 72 | 94 (stronger) |
| Problem-loan coverage | 92 | 93 (stronger) |
| Peer percentile | 53rd | 57th |
| Total assets | $309.4M | $303.4M |
| Deposits / shares | $280.7M | $272.4M |
| Capital ratio | 11.57% (stronger) | 10.47% |
| Problem loans | 0.98% | 0.74% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.06% |
| Return on assets | 1.61% (stronger) | 1.47% |
| Loans ÷ deposits | 42.2% | 39.9% (stronger) |
| Uninsured deposits | 40.4% | 20.8% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens National Bank at Brownwood has the higher TellerScore (74 vs 73). On the 7 directional measures above (where higher or lower is clearly better), The Pecos County State Bank leads on 3 and Citizens National Bank at Brownwood on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.