Side-by-side · Q2 2026 data
Commercial Bank of Texas, National Association vs Citizens State 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 State Bank |
|---|---|---|
| TellerScore | 77 | 83 (stronger) |
| Capital cushion | 56 | 70 (stronger) |
| Loan quality | 95 (stronger) | 83 |
| Earnings | 85 | 97 (stronger) |
| Funding & liquidity | 67 | 81 (stronger) |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 83rd | 84th |
| Total assets | $1.7B | $190.6M |
| Deposits / shares | $1.5B | $165.7M |
| Capital ratio | 10.60% | 12.04% (stronger) |
| Problem loans | 0.14% (stronger) | 0.50% |
| Net charge-offs | 0.11% (stronger) | 0.26% |
| Return on assets | 1.62% | 1.91% (stronger) |
| Loans ÷ deposits | 77.0% | 72.8% (stronger) |
| Uninsured deposits | 29.5% | 20.3% (stronger) |
| Offices | 23 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank has the higher TellerScore (83 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 State 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.