Side-by-side · Q2 2026 data
Texas Heritage National Bank vs The City National Bank of Sulphur Springs
Bank
The City National Bank of Sulphur Springs
Sulphur Springs, Texas · $1 billion – $10 billion
Metric by metric
| Measure | Texas Heritage National Bank | The City National Bank of Sulphur Springs |
|---|---|---|
| TellerScore | 59 | 78 (stronger) |
| Capital cushion | 52 (stronger) | 48 |
| Loan quality | 58 | 95 (stronger) |
| Earnings | 77 | 100 (stronger) |
| Funding & liquidity | 34 | 70 (stronger) |
| Problem-loan coverage | 79 | 98 (stronger) |
| Peer percentile | 17th | 86th |
| Total assets | $936.4M | $1.4B |
| Deposits / shares | $811.9M | $1.2B |
| Capital ratio | 10.17% (stronger) | 9.78% |
| Problem loans | 1.27% | 0.15% (stronger) |
| Net charge-offs | 0.04% | -0.09% (stronger) |
| Return on assets | 1.42% | 2.28% (stronger) |
| Loans ÷ deposits | 97.7% | 77.0% (stronger) |
| Uninsured deposits | 40.5% | 27.2% (stronger) |
| Offices | 6 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.1% | 13.8% |
The City National Bank of Sulphur Springs has the higher TellerScore (78 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Texas Heritage National Bank leads on 1 and The City National Bank of Sulphur Springs on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.