Side-by-side · Q2 2026 data
The City National Bank of Sulphur Springs vs State Bank of De Kalb
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 | State Bank of De Kalb |
|---|---|---|
| TellerScore | 78 | 82 (stronger) |
| Capital cushion | 48 | 72 (stronger) |
| Loan quality | 95 (stronger) | 92 |
| Earnings | 100 | 100 |
| Funding & liquidity | 70 (stronger) | 54 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 86th | 82nd |
| Total assets | $1.4B | $519.9M |
| Deposits / shares | $1.2B | $455.1M |
| Capital ratio | 9.78% | 12.17% (stronger) |
| Problem loans | 0.15% (stronger) | 0.24% |
| Net charge-offs | -0.09% (stronger) | 0.02% |
| Return on assets | 2.28% | 2.29% (stronger) |
| Loans ÷ deposits | 77.0% (stronger) | 83.5% |
| Uninsured deposits | 27.2% (stronger) | 35.8% |
| Offices | 17 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.8% | — |
State Bank of De Kalb has the higher TellerScore (82 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The City National Bank of Sulphur Springs leads on 4 and State Bank of De Kalb on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.