Side-by-side · Q2 2026 data
Ciera Bank vs Transpecos Banks, SSB
Metric by metric
| Measure | Ciera Bank | Transpecos Banks, SSB |
|---|---|---|
| TellerScore | 66 (stronger) | 14 |
| Capital cushion | 61 (stronger) | 17 |
| Loan quality | 59 (stronger) | 0 |
| Earnings | 80 (stronger) | 0 |
| Funding & liquidity | 54 | 58 (stronger) |
| Problem-loan coverage | 85 (stronger) | 0 |
| Peer percentile | 31st | 0th |
| Total assets | $992.9M | $972.1M |
| Deposits / shares | $868.8M | $872.0M |
| Capital ratio | 11.13% (stronger) | 6.67% |
| Problem loans | 1.22% (stronger) | 8.15% |
| Net charge-offs | 0.22% | -0.00% (stronger) |
| Return on assets | 1.50% (stronger) | -1.57% |
| Loans ÷ deposits | 86.5% | 74.9% (stronger) |
| Uninsured deposits | 32.7% (stronger) | 39.8% |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.7% | 14.3% |
Ciera Bank has the higher TellerScore (66 vs 14). On the 7 directional measures above (where higher or lower is clearly better), Ciera Bank leads on 5 and Transpecos Banks, SSB on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.