Side-by-side · Q2 2026 data
Cendera Bank vs Texas Financial Bank
Metric by metric
| Measure | Cendera Bank | Texas Financial Bank |
|---|---|---|
| TellerScore | 64 (stronger) | 61 |
| Capital cushion | 63 | 67 (stronger) |
| Loan quality | 88 (stronger) | 67 |
| Earnings | 35 (stronger) | 33 |
| Funding & liquidity | 47 | 57 (stronger) |
| Problem-loan coverage | 95 (stronger) | 92 |
| Peer percentile | 26th | 20th |
| Total assets | $257.6M | $264.6M |
| Deposits / shares | $228.5M | $223.6M |
| Capital ratio | 11.25% | 11.72% (stronger) |
| Problem loans | 0.37% (stronger) | 1.00% |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 0.37% (stronger) | 0.33% |
| Loans ÷ deposits | 87.1% | 65.7% (stronger) |
| Uninsured deposits | 38.5% (stronger) | 48.6% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cendera Bank has the higher TellerScore (64 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Cendera Bank leads on 5 and Texas Financial Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.