Side-by-side · Q2 2026 data
The City National Bank of Sulphur Springs vs Southwestern National Bank
Bank
The City National Bank of Sulphur Springs
Sulphur Springs, Texas · $1 billion – $10 billion
Metric by metric
| Measure | The City National Bank of Sulphur Springs | Southwestern National Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 73 |
| Capital cushion | 48 | 74 (stronger) |
| Loan quality | 95 (stronger) | 86 |
| Earnings | 100 (stronger) | 78 |
| Funding & liquidity | 70 (stronger) | 30 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 86th | 70th |
| Total assets | $1.4B | $1.4B |
| Deposits / shares | $1.2B | $1.2B |
| Capital ratio | 9.78% | 12.41% (stronger) |
| Problem loans | 0.15% (stronger) | 0.42% |
| Net charge-offs | -0.09% (stronger) | 0.13% |
| Return on assets | 2.28% (stronger) | 1.46% |
| Loans ÷ deposits | 77.0% (stronger) | 96.4% |
| Uninsured deposits | 27.2% (stronger) | 45.6% |
| Offices | 17 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.8% | 3.9% |
The City National Bank of Sulphur Springs has the higher TellerScore (78 vs 73). On the 7 directional measures above (where higher or lower is clearly better), The City National Bank of Sulphur Springs leads on 6 and Southwestern National Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.