Side-by-side · Q2 2026 data
Cendera Bank vs First Texas Bank
Metric by metric
| Measure | Cendera Bank | First Texas Bank |
|---|---|---|
| TellerScore | 64 | 81 (stronger) |
| Capital cushion | 63 (stronger) | 51 |
| Loan quality | 88 | 100 (stronger) |
| Earnings | 35 | 96 (stronger) |
| Funding & liquidity | 47 | 75 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 26th | 80th |
| Total assets | $257.6M | $259.7M |
| Deposits / shares | $228.5M | $232.4M |
| Capital ratio | 11.25% (stronger) | 10.14% |
| Problem loans | 0.37% | 0.00% (stronger) |
| Net charge-offs | -0.01% | -0.09% (stronger) |
| Return on assets | 0.37% | 1.90% (stronger) |
| Loans ÷ deposits | 87.1% | 39.9% (stronger) |
| Uninsured deposits | 38.5% | 38.2% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.9% |
First Texas Bank has the higher TellerScore (81 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Cendera Bank leads on 1 and First Texas Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.