Side-by-side · Q2 2026 data
American National Bank & Trust vs State Bank of Texas
Metric by metric
| Measure | American National Bank & Trust | State Bank of Texas |
|---|---|---|
| TellerScore | 61 | 74 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 71 (stronger) | 28 |
| Earnings | 59 | 100 (stronger) |
| Funding & liquidity | 48 | 61 (stronger) |
| Problem-loan coverage | 86 (stronger) | 77 |
| Peer percentile | 24th | 74th |
| Total assets | $2.5B | $2.6B |
| Deposits / shares | $2.2B | $2.1B |
| Capital ratio | 10.18% | 15.71% (stronger) |
| Problem loans | 0.88% (stronger) | 2.16% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 0.99% | 4.24% (stronger) |
| Loans ÷ deposits | 84.8% (stronger) | 96.8% |
| Uninsured deposits | 39.3% | 16.6% (stronger) |
| Offices | 13 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.4% | — |
State Bank of Texas has the higher TellerScore (74 vs 61). On the 7 directional measures above (where higher or lower is clearly better), American National Bank & Trust leads on 2 and State Bank of Texas on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.