Side-by-side · Q2 2026 data
The Commercial National Bank of Brady vs First Lockhart Bank
Metric by metric
| Measure | The Commercial National Bank of Brady | First Lockhart Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 63 |
| Capital cushion | 52 (stronger) | 43 |
| Loan quality | 100 (stronger) | 90 |
| Earnings | 100 (stronger) | 48 |
| Funding & liquidity | 52 | 57 (stronger) |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 72nd | 24th |
| Total assets | $425.4M | $415.9M |
| Deposits / shares | $365.2M | $375.0M |
| Capital ratio | 10.24% (stronger) | 9.34% |
| Problem loans | 0.00% (stronger) | 0.29% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 2.90% (stronger) | 0.70% |
| Loans ÷ deposits | 89.3% | 82.9% (stronger) |
| Uninsured deposits | 32.0% (stronger) | 33.0% |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.8% |
The Commercial National Bank of Brady has the higher TellerScore (78 vs 63). On the 7 directional measures above (where higher or lower is clearly better), The Commercial National Bank of Brady leads on 6 and First Lockhart Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.