Side-by-side · Q2 2026 data
Lamar National Bank vs Fannin County Teachers Federal Credit Union
Credit union
Fannin County Teachers Federal Credit Union
Bonham, Texas · Under $100 million in assets
Metric by metric
| Measure | Lamar National Bank | Fannin County Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 55 |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 95 (stronger) | 12 |
| Earnings | 49 (stronger) | 31 |
| Funding & liquidity | 90 (stronger) | 50 |
| Problem-loan coverage | 95 (stronger) | 85 |
| Peer percentile | 53rd | 15th |
| Total assets | $375.9M | $10.0M |
| Deposits / shares | $335.9M | $7.0M |
| Capital ratio | 10.64% | 28.33% (stronger) |
| Problem loans | 0.15% (stronger) | 2.65% |
| Net charge-offs | 0.05% (stronger) | 0.12% |
| Return on assets | 0.73% (stronger) | 0.29% |
| Loans ÷ deposits | 64.9% (stronger) | 110.7% |
| Uninsured deposits | 19.5% | 2.9% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.2% | — |
Lamar National Bank has the higher TellerScore (73 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Lamar National Bank leads on 5 and Fannin County Teachers Federal Credit Union 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.