Side-by-side · Q2 2026 data
Community National Bank & Trust of Texas vs Harmony Bank
Metric by metric
| Measure | Community National Bank & Trust of Texas | Harmony Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 75 |
| Capital cushion | 56 | 69 (stronger) |
| Loan quality | 97 | 99 (stronger) |
| Earnings | 87 (stronger) | 66 |
| Funding & liquidity | 52 (stronger) | 43 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 80th | 61st |
| Total assets | $1.7B | $855.3M |
| Deposits / shares | $1.4B | $707.7M |
| Capital ratio | 10.62% | 11.90% (stronger) |
| Problem loans | 0.09% | 0.02% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.52% |
| Return on assets | 1.66% (stronger) | 1.16% |
| Loans ÷ deposits | 83.1% (stronger) | 88.0% |
| Uninsured deposits | 37.8% (stronger) | 41.4% |
| Offices | 17 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.5% | 19.0% |
Community National Bank & Trust of Texas has the higher TellerScore (76 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Community National Bank & Trust of Texas leads on 5 and Harmony Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.