Side-by-side · Q2 2026 data
Farmers State Bank vs Community National Bank & Trust of Texas
Metric by metric
| Measure | Farmers State Bank | Community National Bank & Trust of Texas |
|---|---|---|
| TellerScore | 79 (stronger) | 76 |
| Capital cushion | 44 | 56 (stronger) |
| Loan quality | 99 (stronger) | 97 |
| Earnings | 82 | 87 (stronger) |
| Funding & liquidity | 98 (stronger) | 52 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 75th | 80th |
| Total assets | $196.0M | $1.7B |
| Deposits / shares | $176.8M | $1.4B |
| Capital ratio | 9.39% | 10.62% (stronger) |
| Problem loans | 0.04% (stronger) | 0.09% |
| Net charge-offs | 0.01% (stronger) | 0.08% |
| Return on assets | 1.55% | 1.66% (stronger) |
| Loans ÷ deposits | 52.0% (stronger) | 83.1% |
| Uninsured deposits | 16.9% (stronger) | 37.8% |
| Offices | 6 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.5% |
Farmers State Bank has the higher TellerScore (79 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 5 and Community National Bank & Trust of Texas 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