Side-by-side · Q2 2026 data
The First National Bank of Moody vs Community Bank & Trust, Waco, Texas
Metric by metric
| Measure | The First National Bank of Moody | Community Bank & Trust, Waco, Texas |
|---|---|---|
| TellerScore | 92 (stronger) | 90 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 93 |
| Earnings | 59 | 64 (stronger) |
| Funding & liquidity | 100 (stronger) | 91 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 92nd | 95th |
| Total assets | $54.2M | $649.1M |
| Deposits / shares | $42.4M | $562.6M |
| Capital ratio | 18.31% (stronger) | 15.45% |
| Problem loans | 0.00% (stronger) | 0.21% |
| Net charge-offs | -0.06% (stronger) | 0.58% |
| Return on assets | 0.97% | 1.11% (stronger) |
| Loans ÷ deposits | 39.2% (stronger) | 66.2% |
| Uninsured deposits | 14.3% (stronger) | 17.6% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.4% |
The First National Bank of Moody has the higher TellerScore (92 vs 90). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Moody leads on 6 and Community Bank & Trust, Waco, Texas on 1. 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.