Side-by-side · Q2 2026 data
Ciera Bank vs Texas Bank
Metric by metric
| Measure | Ciera Bank | Texas Bank |
|---|---|---|
| TellerScore | 66 | 70 (stronger) |
| Capital cushion | 61 (stronger) | 56 |
| Loan quality | 59 | 85 (stronger) |
| Earnings | 80 (stronger) | 68 |
| Funding & liquidity | 54 | 61 (stronger) |
| Problem-loan coverage | 85 | 94 (stronger) |
| Peer percentile | 31st | 43rd |
| Total assets | $992.9M | $953.9M |
| Deposits / shares | $868.8M | $824.0M |
| Capital ratio | 11.13% (stronger) | 10.61% |
| Problem loans | 1.22% | 0.46% (stronger) |
| Net charge-offs | 0.22% (stronger) | 0.52% |
| Return on assets | 1.50% (stronger) | 1.20% |
| Loans ÷ deposits | 86.5% | 83.9% (stronger) |
| Uninsured deposits | 32.7% | 28.5% (stronger) |
| Offices | 8 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.7% | 19.1% |
Texas Bank has the higher TellerScore (70 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Ciera Bank leads on 3 and Texas Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.