Side-by-side · Q2 2026 data
Ciera Bank vs First National Bank Texas
Metric by metric
| Measure | Ciera Bank | First National Bank Texas |
|---|---|---|
| TellerScore | 66 (stronger) | 64 |
| Capital cushion | 61 (stronger) | 41 |
| Loan quality | 59 | 59 |
| Earnings | 80 (stronger) | 69 |
| Funding & liquidity | 54 | 100 (stronger) |
| Problem-loan coverage | 85 (stronger) | 83 |
| Peer percentile | 31st | 33rd |
| Total assets | $992.9M | $4.6B |
| Deposits / shares | $868.8M | $4.1B |
| Capital ratio | 11.13% (stronger) | 9.12% |
| Problem loans | 1.22% (stronger) | 1.23% |
| Net charge-offs | 0.22% (stronger) | 0.84% |
| Return on assets | 1.50% (stronger) | 1.21% |
| Loans ÷ deposits | 86.5% | 55.1% (stronger) |
| Uninsured deposits | 32.7% | 8.5% (stronger) |
| Offices | 8 | 355 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.7% | 3.8% |
Ciera Bank has the higher TellerScore (66 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Ciera Bank leads on 5 and First National Bank Texas on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Fort Worth, TX
- Denton, TX
- Burleson, TX
- Graham, TX