Side-by-side · Q2 2026 data
Cendera Bank vs Lamar National Bank
Metric by metric
| Measure | Cendera Bank | Lamar National Bank |
|---|---|---|
| TellerScore | 64 | 73 (stronger) |
| Capital cushion | 63 (stronger) | 56 |
| Loan quality | 88 | 95 (stronger) |
| Earnings | 35 | 49 (stronger) |
| Funding & liquidity | 47 | 90 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 26th | 53rd |
| Total assets | $257.6M | $375.9M |
| Deposits / shares | $228.5M | $335.9M |
| Capital ratio | 11.25% (stronger) | 10.64% |
| Problem loans | 0.37% | 0.15% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.05% |
| Return on assets | 0.37% | 0.73% (stronger) |
| Loans ÷ deposits | 87.1% | 64.9% (stronger) |
| Uninsured deposits | 38.5% | 19.5% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.2% |
Lamar National Bank has the higher TellerScore (73 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Cendera Bank leads on 2 and Lamar National Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.