Side-by-side · Q2 2026 data
The City National Bank of Sulphur Springs vs Texar Federal Credit Union
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 | Texar Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 81 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 95 (stronger) | 76 |
| Earnings | 100 (stronger) | 52 |
| Funding & liquidity | 70 | 84 (stronger) |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 86th | 80th |
| Total assets | $1.4B | $440.5M |
| Deposits / shares | $1.2B | $335.3M |
| Capital ratio | 9.78% | 16.42% (stronger) |
| Problem loans | 0.15% (stronger) | 0.72% |
| Net charge-offs | -0.09% (stronger) | 0.34% |
| Return on assets | 2.28% (stronger) | 0.79% |
| Loans ÷ deposits | 77.0% | 76.5% (stronger) |
| Uninsured deposits | 27.2% | 9.9% (stronger) |
| Offices | 17 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.8% | 7.0% |
Texar Federal Credit Union has the higher TellerScore (81 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The City National Bank of Sulphur Springs leads on 3 and Texar Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.