Side-by-side · Q2 2026 data
Ciera Bank vs Round Top State Bank
Metric by metric
| Measure | Ciera Bank | Round Top State Bank |
|---|---|---|
| TellerScore | 66 | 80 (stronger) |
| Capital cushion | 61 | 69 (stronger) |
| Loan quality | 59 | 88 (stronger) |
| Earnings | 80 (stronger) | 71 |
| Funding & liquidity | 54 | 87 (stronger) |
| Problem-loan coverage | 85 | 96 (stronger) |
| Peer percentile | 31st | 77th |
| Total assets | $992.9M | $974.1M |
| Deposits / shares | $868.8M | $870.3M |
| Capital ratio | 11.13% | 11.94% (stronger) |
| Problem loans | 1.22% | 0.36% (stronger) |
| Net charge-offs | 0.22% | 0.00% (stronger) |
| Return on assets | 1.50% (stronger) | 1.26% |
| Loans ÷ deposits | 86.5% | 68.3% (stronger) |
| Uninsured deposits | 32.7% | 19.6% (stronger) |
| Offices | 8 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.7% | 8.1% |
Round Top State Bank has the higher TellerScore (80 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Ciera Bank leads on 1 and Round Top State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.