Side-by-side · Q2 2026 data
Commercial Bank of Texas, National Association vs Citizens National Bank
Bank
Commercial Bank of Texas, National Association
Nacogdoches, Texas · $1 billion – $10 billion
Metric by metric
| Measure | Commercial Bank of Texas, National Association | Citizens National Bank |
|---|---|---|
| TellerScore | 77 | 80 (stronger) |
| Capital cushion | 56 | 78 (stronger) |
| Loan quality | 95 | 100 (stronger) |
| Earnings | 85 (stronger) | 48 |
| Funding & liquidity | 67 | 78 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 83rd | 77th |
| Total assets | $1.7B | $108.8M |
| Deposits / shares | $1.5B | $95.2M |
| Capital ratio | 10.60% | 12.82% (stronger) |
| Problem loans | 0.14% | 0.00% (stronger) |
| Net charge-offs | 0.11% | 0.00% (stronger) |
| Return on assets | 1.62% (stronger) | 0.69% |
| Loans ÷ deposits | 77.0% | 38.9% (stronger) |
| Uninsured deposits | 29.5% (stronger) | 35.2% |
| Offices | 23 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens National Bank has the higher TellerScore (80 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank of Texas, National Association leads on 2 and Citizens National Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.