Side-by-side · Q2 2026 data
Ciera Bank vs Community National Bank & Trust of Texas
Metric by metric
| Measure | Ciera Bank | Community National Bank & Trust of Texas |
|---|---|---|
| TellerScore | 66 | 76 (stronger) |
| Capital cushion | 61 (stronger) | 56 |
| Loan quality | 59 | 97 (stronger) |
| Earnings | 80 | 87 (stronger) |
| Funding & liquidity | 54 (stronger) | 52 |
| Problem-loan coverage | 85 | 96 (stronger) |
| Peer percentile | 31st | 80th |
| Total assets | $992.9M | $1.7B |
| Deposits / shares | $868.8M | $1.4B |
| Capital ratio | 11.13% (stronger) | 10.62% |
| Problem loans | 1.22% | 0.09% (stronger) |
| Net charge-offs | 0.22% | 0.08% (stronger) |
| Return on assets | 1.50% | 1.66% (stronger) |
| Loans ÷ deposits | 86.5% | 83.1% (stronger) |
| Uninsured deposits | 32.7% (stronger) | 37.8% |
| Offices | 8 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.7% | 1.5% |
Community National Bank & Trust of Texas has the higher TellerScore (76 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Ciera Bank leads on 2 and Community National Bank & Trust of Texas on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.