Side-by-side · Q2 2026 data
The City National Bank of Sulphur Springs vs The First National Bank of Winnsboro
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 | The First National Bank of Winnsboro |
|---|---|---|
| TellerScore | 78 | 86 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 95 (stronger) | 63 |
| Earnings | 100 (stronger) | 97 |
| Funding & liquidity | 70 | 78 (stronger) |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 86th | 90th |
| Total assets | $1.4B | $158.2M |
| Deposits / shares | $1.2B | $121.4M |
| Capital ratio | 9.78% | 22.72% (stronger) |
| Problem loans | 0.15% (stronger) | 1.10% |
| Net charge-offs | -0.09% (stronger) | 0.09% |
| Return on assets | 2.28% (stronger) | 1.92% |
| Loans ÷ deposits | 77.0% (stronger) | 82.6% |
| Uninsured deposits | 27.2% | 14.7% (stronger) |
| Offices | 17 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.8% | 20.7% |
The First National Bank of Winnsboro has the higher TellerScore (86 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 The First National Bank of Winnsboro on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Winnsboro, TX