Side-by-side · Q2 2026 data
First National Bank of Central Texas vs Community Bank & Trust, Waco, Texas
Metric by metric
| Measure | First National Bank of Central Texas | Community Bank & Trust, Waco, Texas |
|---|---|---|
| TellerScore | 81 | 90 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 97 (stronger) | 93 |
| Earnings | 100 (stronger) | 64 |
| Funding & liquidity | 65 | 91 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 91st | 95th |
| Total assets | $1.8B | $649.1M |
| Deposits / shares | $1.6B | $562.6M |
| Capital ratio | 10.83% | 15.45% (stronger) |
| Problem loans | 0.10% (stronger) | 0.21% |
| Net charge-offs | 0.02% (stronger) | 0.58% |
| Return on assets | 2.55% (stronger) | 1.11% |
| Loans ÷ deposits | 87.8% | 66.2% (stronger) |
| Uninsured deposits | 21.1% | 17.6% (stronger) |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.4% |
Community Bank & Trust, Waco, Texas has the higher TellerScore (90 vs 81). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Central Texas leads on 3 and Community Bank & Trust, Waco, Texas on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.