Side-by-side · Q2 2026 data
Bandera Bank vs First National Bank
Metric by metric
| Measure | Bandera Bank | First National Bank |
|---|---|---|
| TellerScore | 89 (stronger) | 42 |
| Capital cushion | 73 (stronger) | 47 |
| Loan quality | 90 (stronger) | 0 |
| Earnings | 100 (stronger) | 49 |
| Funding & liquidity | 100 (stronger) | 81 |
| Problem-loan coverage | 97 (stronger) | 63 |
| Peer percentile | 87th | 5th |
| Total assets | $89.3M | $96.5M |
| Deposits / shares | $78.6M | $90.4M |
| Capital ratio | 12.29% (stronger) | 9.71% |
| Problem loans | 0.30% (stronger) | 3.09% |
| Net charge-offs | 0.12% | -0.31% (stronger) |
| Return on assets | 2.22% (stronger) | 0.71% |
| Loans ÷ deposits | 59.6% | 43.8% (stronger) |
| Uninsured deposits | 9.1% (stronger) | 32.2% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bandera Bank has the higher TellerScore (89 vs 42). On the 7 directional measures above (where higher or lower is clearly better), Bandera Bank leads on 5 and First National Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.