Side-by-side · Q2 2026 data
First State Bank vs Community National Bank & Trust of Texas
Metric by metric
| Measure | First State Bank | Community National Bank & Trust of Texas |
|---|---|---|
| TellerScore | 74 | 76 (stronger) |
| Capital cushion | 64 (stronger) | 56 |
| Loan quality | 73 | 97 (stronger) |
| Earnings | 86 | 87 (stronger) |
| Funding & liquidity | 67 (stronger) | 52 |
| Problem-loan coverage | 91 | 96 (stronger) |
| Peer percentile | 57th | 80th |
| Total assets | $761.7M | $1.7B |
| Deposits / shares | $669.5M | $1.4B |
| Capital ratio | 11.44% (stronger) | 10.62% |
| Problem loans | 0.80% | 0.09% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.08% |
| Return on assets | 1.65% | 1.66% (stronger) |
| Loans ÷ deposits | 70.7% (stronger) | 83.1% |
| Uninsured deposits | 35.3% (stronger) | 37.8% |
| Offices | 7 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.5% | 1.5% |
Community National Bank & Trust of Texas has the higher TellerScore (76 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 4 and Community National Bank & Trust of Texas on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.