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Cendera Bank

$100M-$1B Specialty: Commercial TX FDIC cert 3098

Bells, TX

3 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Cendera Bank has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.35% above tier average
  • + Delinquency Rate 0.61% below tier average

Key Concerns

Areas that may need attention

  • - Return on Assets 1.03% below tier average
  • - Efficiency Ratio 27.49% above tier average
Get updates when Cendera Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $228.9M
+0.8% YoY +0.4% QoQ
-$157.2M $386.1M
+0.5% YoY
$2.3B
+1.1% YoY
$6.2B
+9.1% YoY
33%
Total Loans ? $179.9M
-2.7% YoY +3.0% QoQ
-$75.8M $255.7M
+1.1% YoY
$1.1B
+10.2% YoY
$3.2B
+10.8% YoY
44%
Total Deposits ? $200.6M
+0.3% YoY +0.6% QoQ
-$127.4M $328.0M
+0.1% YoY
$1.9B
+3.3% YoY
$4.8B
+8.2% YoY
34%
Return on Assets ? 0.24%
+855.7% YoY -19.0% QoQ
-1.03% 1.27%
+12.9% YoY
1.40%
+10.3% YoY
1.23%
+13.4% YoY
Bottom 6.9% in tier
Net Interest Margin ? 4.28%
+7.2% YoY +2.4% QoQ
+0.35% 3.93%
+6.0% YoY
4.03%
+2.6% YoY
3.89%
+5.7% YoY
72%
Efficiency Ratio ? 92.77%
+2.7% YoY +6.1% QoQ
+27.49% 65.29%
-4.5% YoY
63.18%
-2.3% YoY
66.95%
-4.1% YoY
Bottom 4.8% in tier
Delinquency Rate ? 0.28%
-47.6% YoY -31.6% QoQ
-0.61% 0.89%
+18.8% YoY
0.96%
+36.6% YoY
0.95%
+18.8% YoY
58%
Loan-to-Deposit Ratio ? 89.67%
-3.1% YoY +2.4% QoQ
+13.03% 76.64%
+0.8% YoY
67.20%
-0.8% YoY
76.70%
+0.9% YoY
25%
Non-Interest-Bearing Deposit Share ? 9.83%
-5.6% YoY +7.6% QoQ
-12.19% 22.02%
-1.0% YoY
29.02%
-1.0% YoY
22.01%
-1.2% YoY
Bottom 10.4% in tier
Nonperforming Asset Ratio ? 0.26%
-39.4% YoY -26.1% QoQ
-0.38% 0.64%
+19.7% YoY
0.62%
+31.5% YoY
0.67%
+19.3% YoY
54%
Tier 1 Capital Ratio ? 11.79%
+0.9% YoY +6.3% QoQ
-4.04% 15.83%
+1.5% YoY
18.04%
+0.0% YoY
17.06%
+0.8% YoY
33%
Non-Interest Income / Assets ? 0.03%
+11.9% YoY -76.0% QoQ
-0.25% 0.28%
+9.3% YoY
0.20%
+4.0% YoY
0.32%
+4.1% YoY
Bottom 10.4% in tier

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

2536
Efficiency Ratio
profitability
Value: 92.77%
Peer Median: 65.29%
#2536 of 2664 Bottom 4.8% in $100M-$1B
2482
Return on Assets
profitability
Value: 0.24%
Peer Median: 1.27%
#2482 of 2664 Bottom 6.9% in $100M-$1B
2388
Non-Interest Income / Assets
revenue_mix
Value: 0.03%
Peer Median: 0.28%
#2388 of 2664 Bottom 10.4% in $100M-$1B
2388
Non-Interest-Bearing Deposit Share
funding
Value: 9.83%
Peer Median: 22.02%
#2388 of 2664 Bottom 10.4% in $100M-$1B
2000
Loan-to-Deposit Ratio
liquidity
Value: 89.67%
Peer Median: 76.64%
#2000 of 2664 Bottom 25.0% in $100M-$1B
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