Side-by-side · Q2 2026 data
Austin Bank, Texas National Association vs First State Bank
Bank
Austin Bank, Texas National Association
Jacksonville, Texas · $1 billion – $10 billion
Metric by metric
| Measure | Austin Bank, Texas National Association | First State Bank |
|---|---|---|
| TellerScore | 88 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 64 |
| Loan quality | 80 (stronger) | 73 |
| Earnings | 100 (stronger) | 86 |
| Funding & liquidity | 60 | 67 (stronger) |
| Problem-loan coverage | 94 (stronger) | 91 |
| Peer percentile | 98th | 57th |
| Total assets | $3.3B | $761.7M |
| Deposits / shares | $2.8B | $669.5M |
| Capital ratio | 15.12% (stronger) | 11.44% |
| Problem loans | 0.60% (stronger) | 0.80% |
| Net charge-offs | 0.05% | 0.03% (stronger) |
| Return on assets | 2.08% (stronger) | 1.65% |
| Loans ÷ deposits | 88.0% | 70.7% (stronger) |
| Uninsured deposits | 26.0% (stronger) | 35.3% |
| Offices | 38 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.4% | 8.5% |
Austin Bank, Texas National Association has the higher TellerScore (88 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Austin Bank, Texas National Association leads on 5 and First State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.