Side-by-side · Q2 2026 data
Western National Bank vs The Citizens State Bank
Metric by metric
| Measure | Western National Bank | The Citizens State Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 65 |
| Capital cushion | 41 | 48 (stronger) |
| Loan quality | 99 (stronger) | 57 |
| Earnings | 80 | 100 (stronger) |
| Funding & liquidity | 73 (stronger) | 55 |
| Problem-loan coverage | 100 (stronger) | 77 |
| Peer percentile | 57th | 29th |
| Total assets | $257.4M | $442.4M |
| Deposits / shares | $232.0M | $381.2M |
| Capital ratio | 9.15% | 9.76% (stronger) |
| Problem loans | 0.02% (stronger) | 1.28% |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 1.51% | 2.11% (stronger) |
| Loans ÷ deposits | 87.1% (stronger) | 89.4% |
| Uninsured deposits | 11.7% (stronger) | 29.0% |
| Offices | 11 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | — |
Western National Bank has the higher TellerScore (74 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Western National Bank leads on 4 and The Citizens State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.