Side-by-side · Q2 2026 data
Austin Bank, Texas National Association vs Lone Star National Bank
Bank
Austin Bank, Texas National Association
Jacksonville, Texas · $1 billion – $10 billion
Metric by metric
| Measure | Austin Bank, Texas National Association | Lone Star National Bank |
|---|---|---|
| TellerScore | 88 (stronger) | 72 |
| Capital cushion | 100 (stronger) | 79 |
| Loan quality | 80 (stronger) | 65 |
| Earnings | 100 (stronger) | 78 |
| Funding & liquidity | 60 (stronger) | 51 |
| Problem-loan coverage | 94 (stronger) | 91 |
| Peer percentile | 98th | 66th |
| Total assets | $3.3B | $3.3B |
| Deposits / shares | $2.8B | $2.9B |
| Capital ratio | 15.12% (stronger) | 12.87% |
| Problem loans | 0.60% (stronger) | 1.06% |
| Net charge-offs | 0.05% | 0.02% (stronger) |
| Return on assets | 2.08% (stronger) | 1.44% |
| Loans ÷ deposits | 88.0% | 60.7% (stronger) |
| Uninsured deposits | 26.0% (stronger) | 58.8% |
| Offices | 38 | 36 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.4% | 23.3% |
Austin Bank, Texas National Association has the higher TellerScore (88 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Austin Bank, Texas National Association leads on 5 and Lone Star National Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.