Side-by-side · Q2 2026 data
Commercial Bank of Texas, National Association vs Farmers 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 | Farmers State Bank |
|---|---|---|
| TellerScore | 77 | 89 (stronger) |
| Capital cushion | 56 | 94 (stronger) |
| Loan quality | 95 (stronger) | 80 |
| Earnings | 85 | 100 (stronger) |
| Funding & liquidity | 67 | 79 (stronger) |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 83rd | 94th |
| Total assets | $1.7B | $391.5M |
| Deposits / shares | $1.5B | $335.0M |
| Capital ratio | 10.60% | 14.41% (stronger) |
| Problem loans | 0.14% (stronger) | 0.59% |
| Net charge-offs | 0.11% | -0.09% (stronger) |
| Return on assets | 1.62% | 2.05% (stronger) |
| Loans ÷ deposits | 77.0% | 68.0% (stronger) |
| Uninsured deposits | 29.5% | 26.9% (stronger) |
| Offices | 23 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State Bank has the higher TellerScore (89 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank of Texas, National Association leads on 1 and Farmers State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.