Side-by-side · Q2 2026 data
First National Bank of Central Texas vs Community National Bank & Trust of Texas
Metric by metric
| Measure | First National Bank of Central Texas | Community National Bank & Trust of Texas |
|---|---|---|
| TellerScore | 81 (stronger) | 76 |
| Capital cushion | 58 (stronger) | 56 |
| Loan quality | 97 | 97 |
| Earnings | 100 (stronger) | 87 |
| Funding & liquidity | 65 (stronger) | 52 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 91st | 80th |
| Total assets | $1.8B | $1.7B |
| Deposits / shares | $1.6B | $1.4B |
| Capital ratio | 10.83% (stronger) | 10.62% |
| Problem loans | 0.10% | 0.09% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.08% |
| Return on assets | 2.55% (stronger) | 1.66% |
| Loans ÷ deposits | 87.8% | 83.1% (stronger) |
| Uninsured deposits | 21.1% (stronger) | 37.8% |
| Offices | 8 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.5% |
First National Bank of Central Texas has the higher TellerScore (81 vs 76). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Central Texas leads on 5 and Community National Bank & Trust of Texas on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.