Side-by-side · Q2 2026 data
The First Bank of Celeste vs Fannin County Teachers Federal Credit Union
Credit union
Fannin County Teachers Federal Credit Union
Bonham, Texas · Under $100 million in assets
Metric by metric
| Measure | The First Bank of Celeste | Fannin County Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 55 |
| Capital cushion | 34 | 100 (stronger) |
| Loan quality | 100 (stronger) | 12 |
| Earnings | 74 (stronger) | 31 |
| Funding & liquidity | 99 (stronger) | 50 |
| Problem-loan coverage | 100 (stronger) | 85 |
| Peer percentile | 54th | 15th |
| Total assets | $83.9M | $10.0M |
| Deposits / shares | $76.3M | $7.0M |
| Capital ratio | 8.39% | 28.33% (stronger) |
| Problem loans | 0.00% (stronger) | 2.65% |
| Net charge-offs | 0.07% (stronger) | 0.12% |
| Return on assets | 1.35% (stronger) | 0.29% |
| Loans ÷ deposits | 39.9% (stronger) | 110.7% |
| Uninsured deposits | 16.5% | 2.9% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First Bank of Celeste has the higher TellerScore (75 vs 55). On the 7 directional measures above (where higher or lower is clearly better), The First Bank of Celeste leads on 5 and Fannin County Teachers Federal Credit Union on 2. 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.