Side-by-side · Q2 2026 data
Austin Bank, Texas National Association vs Spring Hill State Bank
Bank
Austin Bank, Texas National Association
Jacksonville, Texas · $1 billion – $10 billion
Metric by metric
| Measure | Austin Bank, Texas National Association | Spring Hill State Bank |
|---|---|---|
| TellerScore | 88 (stronger) | 79 |
| Capital cushion | 100 | 100 |
| Loan quality | 80 (stronger) | 69 |
| Earnings | 100 (stronger) | 77 |
| Funding & liquidity | 60 (stronger) | 49 |
| Problem-loan coverage | 94 (stronger) | 92 |
| Peer percentile | 98th | 75th |
| Total assets | $3.3B | $238.5M |
| Deposits / shares | $2.8B | $186.9M |
| Capital ratio | 15.12% | 16.65% (stronger) |
| Problem loans | 0.60% (stronger) | 0.94% |
| Net charge-offs | 0.05% | 0.04% (stronger) |
| Return on assets | 2.08% (stronger) | 1.42% |
| Loans ÷ deposits | 88.0% (stronger) | 97.6% |
| Uninsured deposits | 26.0% (stronger) | 27.7% |
| Offices | 38 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.4% | — |
Austin Bank, Texas National Association has the higher TellerScore (88 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Austin Bank, Texas National Association leads on 5 and Spring Hill State Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.