Side-by-side · Q2 2026 data
Citizens National Bank of Texas vs Texas Community Bank
Metric by metric
| Measure | Citizens National Bank of Texas | Texas Community Bank |
|---|---|---|
| TellerScore | 70 | 84 (stronger) |
| Capital cushion | 72 | 78 (stronger) |
| Loan quality | 53 | 93 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 47 | 50 (stronger) |
| Problem-loan coverage | 78 | 98 (stronger) |
| Peer percentile | 58th | 95th |
| Total assets | $2.2B | $2.2B |
| Deposits / shares | $1.9B | $1.9B |
| Capital ratio | 12.20% | 12.78% (stronger) |
| Problem loans | 1.42% | 0.20% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.05% |
| Return on assets | 2.49% (stronger) | 2.03% |
| Loans ÷ deposits | 101.2% | 58.6% (stronger) |
| Uninsured deposits | 25.7% (stronger) | 63.9% |
| Offices | 11 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.2% | 7.9% |
Texas Community Bank has the higher TellerScore (84 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank of Texas leads on 3 and Texas Community Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.