Side-by-side · Q2 2026 data
Western National Bank vs Citizens Bank & Trust Company
Metric by metric
| Measure | Western National Bank | Citizens Bank & Trust Company |
|---|---|---|
| TellerScore | 74 (stronger) | 54 |
| Capital cushion | 41 | 64 (stronger) |
| Loan quality | 99 (stronger) | 19 |
| Earnings | 80 (stronger) | 56 |
| Funding & liquidity | 73 | 80 (stronger) |
| Problem-loan coverage | 100 (stronger) | 68 |
| Peer percentile | 57th | 10th |
| Total assets | $257.4M | $242.3M |
| Deposits / shares | $232.0M | $199.8M |
| Capital ratio | 9.15% | 11.45% (stronger) |
| Problem loans | 0.02% (stronger) | 2.42% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.51% (stronger) | 0.89% |
| Loans ÷ deposits | 87.1% | 80.1% (stronger) |
| Uninsured deposits | 11.7% | 4.1% (stronger) |
| Offices | 11 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | 2.4% |
Western National Bank has the higher TellerScore (74 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Western National Bank leads on 4 and Citizens Bank & Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.