Side-by-side · Q2 2026 data
Wnb Financial, N.A. vs Citizens Bank Minnesota
Metric by metric
| Measure | Wnb Financial, N.A. | Citizens Bank Minnesota |
|---|---|---|
| TellerScore | 76 (stronger) | 70 |
| Capital cushion | 53 (stronger) | 43 |
| Loan quality | 97 | 99 (stronger) |
| Earnings | 60 (stronger) | 54 |
| Funding & liquidity | 92 (stronger) | 78 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 64th | 43rd |
| Total assets | $583.7M | $596.0M |
| Deposits / shares | $512.9M | $498.7M |
| Capital ratio | 10.31% (stronger) | 9.33% |
| Problem loans | 0.08% | 0.02% (stronger) |
| Net charge-offs | -0.01% (stronger) | -0.00% |
| Return on assets | 1.00% (stronger) | 0.85% |
| Loans ÷ deposits | 67.8% (stronger) | 80.5% |
| Uninsured deposits | 12.3% (stronger) | 16.9% |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.7% | 5.1% |
Wnb Financial, N.A. has the higher TellerScore (76 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Wnb Financial, N.A. leads on 6 and Citizens Bank Minnesota on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.