Side-by-side · Q2 2026 data
Cendera Bank vs First Texas National Bank
Metric by metric
| Measure | Cendera Bank | First Texas National Bank |
|---|---|---|
| TellerScore | 64 | 76 (stronger) |
| Capital cushion | 63 (stronger) | 47 |
| Loan quality | 88 | 100 (stronger) |
| Earnings | 35 | 100 (stronger) |
| Funding & liquidity | 47 | 52 (stronger) |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 26th | 64th |
| Total assets | $257.6M | $216.9M |
| Deposits / shares | $228.5M | $195.3M |
| Capital ratio | 11.25% (stronger) | 9.69% |
| Problem loans | 0.37% | 0.00% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.02% |
| Return on assets | 0.37% | 2.89% (stronger) |
| Loans ÷ deposits | 87.1% (stronger) | 96.3% |
| Uninsured deposits | 38.5% | 25.4% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Texas National Bank has the higher TellerScore (76 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Cendera Bank leads on 3 and First Texas National Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.