Side-by-side · Q2 2026 data
Commercial Bank of Texas, National Association vs First National Bank of Central Texas
Bank
Commercial Bank of Texas, National Association
Nacogdoches, Texas · $1 billion – $10 billion
Metric by metric
| Measure | Commercial Bank of Texas, National Association | First National Bank of Central Texas |
|---|---|---|
| TellerScore | 77 | 81 (stronger) |
| Capital cushion | 56 | 58 (stronger) |
| Loan quality | 95 | 97 (stronger) |
| Earnings | 85 | 100 (stronger) |
| Funding & liquidity | 67 (stronger) | 65 |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 83rd | 91st |
| Total assets | $1.7B | $1.8B |
| Deposits / shares | $1.5B | $1.6B |
| Capital ratio | 10.60% | 10.83% (stronger) |
| Problem loans | 0.14% | 0.10% (stronger) |
| Net charge-offs | 0.11% | 0.02% (stronger) |
| Return on assets | 1.62% | 2.55% (stronger) |
| Loans ÷ deposits | 77.0% (stronger) | 87.8% |
| Uninsured deposits | 29.5% | 21.1% (stronger) |
| Offices | 23 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank of Central Texas has the higher TellerScore (81 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 First National Bank of Central Texas on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.