Side-by-side · Q2 2026 data
Woodlands National Bank vs First Citizens Bank
Metric by metric
| Measure | Woodlands National Bank | First Citizens Bank |
|---|---|---|
| TellerScore | 62 | 81 (stronger) |
| Capital cushion | 62 | 70 (stronger) |
| Loan quality | 53 | 95 (stronger) |
| Earnings | 45 | 100 (stronger) |
| Funding & liquidity | 84 (stronger) | 43 |
| Problem-loan coverage | 89 | 97 (stronger) |
| Peer percentile | 22nd | 91st |
| Total assets | $331.0M | $1.8B |
| Deposits / shares | $298.5M | $1.6B |
| Capital ratio | 11.20% | 11.96% (stronger) |
| Problem loans | 1.42% | 0.16% (stronger) |
| Net charge-offs | 0.30% | 0.13% (stronger) |
| Return on assets | 0.63% | 2.09% (stronger) |
| Loans ÷ deposits | 40.1% (stronger) | 83.2% |
| Uninsured deposits | 29.6% (stronger) | 45.6% |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 29.8% | — |
First Citizens Bank has the higher TellerScore (81 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Woodlands National Bank leads on 2 and First Citizens Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.