Side-by-side · Q2 2026 data
Cendera Bank vs Community National Bank & Trust of Texas
Metric by metric
| Measure | Cendera Bank | Community National Bank & Trust of Texas |
|---|---|---|
| TellerScore | 64 | 76 (stronger) |
| Capital cushion | 63 (stronger) | 56 |
| Loan quality | 88 | 97 (stronger) |
| Earnings | 35 | 87 (stronger) |
| Funding & liquidity | 47 | 52 (stronger) |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 26th | 80th |
| Total assets | $257.6M | $1.7B |
| Deposits / shares | $228.5M | $1.4B |
| Capital ratio | 11.25% (stronger) | 10.62% |
| Problem loans | 0.37% | 0.09% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.08% |
| Return on assets | 0.37% | 1.66% (stronger) |
| Loans ÷ deposits | 87.1% | 83.1% (stronger) |
| Uninsured deposits | 38.5% | 37.8% (stronger) |
| Offices | 3 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.5% |
Community National Bank & Trust of Texas has the higher TellerScore (76 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Cendera Bank leads on 2 and Community National Bank & Trust of Texas 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.