Side-by-side · Q2 2026 data
Western Bank vs Citizens National Bank at Brownwood
Metric by metric
| Measure | Western Bank | Citizens National Bank at Brownwood |
|---|---|---|
| TellerScore | 71 | 74 (stronger) |
| Capital cushion | 48 | 55 (stronger) |
| Loan quality | 90 (stronger) | 75 |
| Earnings | 94 (stronger) | 79 |
| Funding & liquidity | 48 | 94 (stronger) |
| Problem-loan coverage | 80 | 93 (stronger) |
| Peer percentile | 47th | 57th |
| Total assets | $947.2M | $303.4M |
| Deposits / shares | $796.9M | $272.4M |
| Capital ratio | 9.77% | 10.47% (stronger) |
| Problem loans | 0.31% (stronger) | 0.74% |
| Net charge-offs | 0.00% (stronger) | 0.06% |
| Return on assets | 1.84% (stronger) | 1.47% |
| Loans ÷ deposits | 95.8% | 39.9% (stronger) |
| Uninsured deposits | 29.7% | 20.8% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.1% | — |
Citizens National Bank at Brownwood has the higher TellerScore (74 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Western 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.