Side-by-side · Q2 2026 data
Community National Bank & Trust of Texas vs Freestone Credit Union
Metric by metric
| Measure | Community National Bank & Trust of Texas | Freestone Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 73 |
| Capital cushion | 56 (stronger) | 53 |
| Loan quality | 97 | 97 |
| Earnings | 87 (stronger) | 41 |
| Funding & liquidity | 52 | 100 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 80th | 47th |
| Total assets | $1.7B | $77.3M |
| Deposits / shares | $1.4B | $67.8M |
| Capital ratio | 10.62% (stronger) | 10.32% |
| Problem loans | 0.09% (stronger) | 0.10% |
| Net charge-offs | 0.08% (stronger) | 0.14% |
| Return on assets | 1.66% (stronger) | 0.54% |
| Loans ÷ deposits | 83.1% | 55.9% (stronger) |
| Uninsured deposits | 37.8% | 5.7% (stronger) |
| Offices | 17 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.5% | — |
Community National Bank & Trust of Texas has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Community National Bank & Trust of Texas leads on 5 and Freestone Credit Union on 2. 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.
Where both have branches
- Fairfield, TX