Side-by-side · Q2 2026 data
The First National Bank in Cooper vs The City National Bank of Sulphur Springs
Bank
The City National Bank of Sulphur Springs
Sulphur Springs, Texas · $1 billion – $10 billion
Metric by metric
| Measure | The First National Bank in Cooper | The City National Bank of Sulphur Springs |
|---|---|---|
| TellerScore | 72 | 78 (stronger) |
| Capital cushion | 81 (stronger) | 48 |
| Loan quality | 52 | 95 (stronger) |
| Earnings | 56 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 70 |
| Problem-loan coverage | 89 | 98 (stronger) |
| Peer percentile | 45th | 86th |
| Total assets | $57.3M | $1.4B |
| Deposits / shares | $49.7M | $1.2B |
| Capital ratio | 13.12% (stronger) | 9.78% |
| Problem loans | 1.44% | 0.15% (stronger) |
| Net charge-offs | 0.00% | -0.09% (stronger) |
| Return on assets | 0.90% | 2.28% (stronger) |
| Loans ÷ deposits | 60.5% (stronger) | 77.0% |
| Uninsured deposits | 13.3% (stronger) | 27.2% |
| Offices | 1 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.8% |
The City National Bank of Sulphur Springs has the higher TellerScore (78 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank in Cooper leads on 3 and The City National Bank of Sulphur Springs on 4. 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.