Side-by-side · Q2 2026 data
Community National Bank & Trust of Texas vs First State Bank
Metric by metric
| Measure | Community National Bank & Trust of Texas | First State Bank |
|---|---|---|
| TellerScore | 76 | 81 (stronger) |
| Capital cushion | 56 (stronger) | 51 |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 87 (stronger) | 81 |
| Funding & liquidity | 52 | 97 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 80th | 80th |
| Total assets | $1.7B | $308.8M |
| Deposits / shares | $1.4B | $275.9M |
| Capital ratio | 10.62% (stronger) | 10.08% |
| Problem loans | 0.09% | 0.00% (stronger) |
| Net charge-offs | 0.08% | 0.00% (stronger) |
| Return on assets | 1.66% (stronger) | 1.52% |
| Loans ÷ deposits | 83.1% | 60.5% (stronger) |
| Uninsured deposits | 37.8% | 17.9% (stronger) |
| Offices | 17 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.5% | — |
First State Bank has the higher TellerScore (81 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Community National Bank & Trust of Texas leads on 2 and First 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.