Side-by-side · Q2 2026 data
Community Bank & Trust, Waco, Texas vs Central National Bank
Metric by metric
| Measure | Community Bank & Trust, Waco, Texas | Central National Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 49 |
| Loan quality | 93 | 96 (stronger) |
| Earnings | 64 | 100 (stronger) |
| Funding & liquidity | 91 (stronger) | 38 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 95th | 74th |
| Total assets | $649.1M | $1.5B |
| Deposits / shares | $562.6M | $1.3B |
| Capital ratio | 15.45% (stronger) | 9.94% |
| Problem loans | 0.21% | 0.11% (stronger) |
| Net charge-offs | 0.58% | 0.03% (stronger) |
| Return on assets | 1.11% | 2.01% (stronger) |
| Loans ÷ deposits | 66.2% (stronger) | 91.0% |
| Uninsured deposits | 17.6% (stronger) | 43.6% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.4% | 5.0% |
Community Bank & Trust, Waco, Texas has the higher TellerScore (90 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Community Bank & Trust, Waco, Texas leads on 4 and Central National Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.