Side-by-side · Q2 2026 data
Centennial Bank vs First Texas Bank
Metric by metric
| Measure | Centennial Bank | First Texas Bank |
|---|---|---|
| TellerScore | 79 | 80 (stronger) |
| Capital cushion | 76 (stronger) | 62 |
| Loan quality | 82 (stronger) | 81 |
| Earnings | 100 (stronger) | 94 |
| Funding & liquidity | 40 | 87 (stronger) |
| Problem-loan coverage | 94 (stronger) | 88 |
| Peer percentile | 94th | 90th |
| Total assets | $24.6B | $1.3B |
| Deposits / shares | $19.6B | $1.2B |
| Capital ratio | 12.61% (stronger) | 11.25% |
| Problem loans | 0.55% (stronger) | 0.58% |
| Net charge-offs | 0.07% | 0.01% (stronger) |
| Return on assets | 2.13% (stronger) | 1.85% |
| Loans ÷ deposits | 85.4% | 49.2% (stronger) |
| Uninsured deposits | 46.7% | 26.6% (stronger) |
| Offices | 225 | 11 |
| CFPB complaints (3 yrs) | 55 | — |
| Complaints per $1B deposits | 2.8 | — |
| Mortgage denial rate (HMDA) | 23.4% | 15.9% |
First Texas Bank has the higher TellerScore (80 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Centennial Bank leads on 3 and First Texas Bank on 4. 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.