Side-by-side · Q2 2026 data
Commercial Bank of Texas, National Association vs Shelby Savings Bank, SSB
Bank
Commercial Bank of Texas, National Association
Nacogdoches, Texas · $1 billion – $10 billion
Metric by metric
| Measure | Commercial Bank of Texas, National Association | Shelby Savings Bank, SSB |
|---|---|---|
| TellerScore | 77 (stronger) | 69 |
| Capital cushion | 56 | 61 (stronger) |
| Loan quality | 95 (stronger) | 65 |
| Earnings | 85 (stronger) | 81 |
| Funding & liquidity | 67 (stronger) | 66 |
| Problem-loan coverage | 97 (stronger) | 84 |
| Peer percentile | 83rd | 40th |
| Total assets | $1.7B | $457.4M |
| Deposits / shares | $1.5B | $367.3M |
| Capital ratio | 10.60% | 11.11% (stronger) |
| Problem loans | 0.14% (stronger) | 1.05% |
| Net charge-offs | 0.11% (stronger) | 0.16% |
| Return on assets | 1.62% (stronger) | 1.53% |
| Loans ÷ deposits | 77.0% (stronger) | 84.1% |
| Uninsured deposits | 29.5% | 24.3% (stronger) |
| Offices | 23 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.5% |
Commercial Bank of Texas, National Association has the higher TellerScore (77 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank of Texas, National Association leads on 5 and Shelby Savings Bank, SSB on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Palestine, TX
- San Augustine, TX