Side-by-side · Q2 2026 data
Bank of DeSoto, National Association vs Texas Financial Bank
Metric by metric
| Measure | Bank of DeSoto, National Association | Texas Financial Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 61 |
| Capital cushion | 51 | 67 (stronger) |
| Loan quality | 67 | 67 |
| Earnings | 85 (stronger) | 33 |
| Funding & liquidity | 79 (stronger) | 57 |
| Problem-loan coverage | 87 | 92 (stronger) |
| Peer percentile | 43rd | 20th |
| Total assets | $264.6M | $264.6M |
| Deposits / shares | $237.3M | $223.6M |
| Capital ratio | 10.06% | 11.72% (stronger) |
| Problem loans | 0.98% (stronger) | 1.00% |
| Net charge-offs | 0.35% | 0.00% (stronger) |
| Return on assets | 1.62% (stronger) | 0.33% |
| Loans ÷ deposits | 63.6% (stronger) | 65.7% |
| Uninsured deposits | 30.8% (stronger) | 48.6% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.0% | — |
Bank of DeSoto, National Association has the higher TellerScore (70 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Bank of DeSoto, National Association leads on 5 and Texas Financial Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.