Side-by-side · Q2 2026 data
TXN Bank vs Community Bank & Trust, Waco, Texas
Metric by metric
| Measure | TXN Bank | Community Bank & Trust, Waco, Texas |
|---|---|---|
| TellerScore | 64 | 90 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 67 | 93 (stronger) |
| Earnings | 60 | 64 (stronger) |
| Funding & liquidity | 83 | 91 (stronger) |
| Problem-loan coverage | 88 | 98 (stronger) |
| Peer percentile | 26th | 95th |
| Total assets | $669.2M | $649.1M |
| Deposits / shares | $613.0M | $562.6M |
| Capital ratio | 9.68% | 15.45% (stronger) |
| Problem loans | 0.98% | 0.21% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.58% |
| Return on assets | 0.99% | 1.11% (stronger) |
| Loans ÷ deposits | 54.0% (stronger) | 66.2% |
| Uninsured deposits | 31.0% | 17.6% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.4% | 16.4% |
Community Bank & Trust, Waco, Texas has the higher TellerScore (90 vs 64). On the 7 directional measures above (where higher or lower is clearly better), TXN Bank leads on 2 and Community Bank & Trust, Waco, Texas on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.