Side-by-side · Q2 2026 data
National Bank & Trust vs Cypress Bank, SSB
Metric by metric
| Measure | National Bank & Trust | Cypress Bank, SSB |
|---|---|---|
| TellerScore | 72 (stronger) | 59 |
| Capital cushion | 58 | 64 (stronger) |
| Loan quality | 94 (stronger) | 39 |
| Earnings | 37 | 44 (stronger) |
| Funding & liquidity | 90 (stronger) | 88 |
| Problem-loan coverage | 98 (stronger) | 77 |
| Peer percentile | 50th | 17th |
| Total assets | $242.0M | $235.5M |
| Deposits / shares | $203.5M | $192.9M |
| Capital ratio | 10.83% | 11.44% (stronger) |
| Problem loans | 0.17% (stronger) | 1.84% |
| Net charge-offs | 0.01% (stronger) | 0.06% |
| Return on assets | 0.43% | 0.59% (stronger) |
| Loans ÷ deposits | 65.2% (stronger) | 72.1% |
| Uninsured deposits | 19.8% | 9.2% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
National Bank & Trust has the higher TellerScore (72 vs 59). On the 7 directional measures above (where higher or lower is clearly better), National Bank & Trust leads on 4 and Cypress Bank, SSB on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.