Side-by-side · Q2 2026 data
Bank of Texas vs Austin County State Bank
Metric by metric
| Measure | Bank of Texas | Austin County State Bank |
|---|---|---|
| TellerScore | 75 | 75 |
| Capital cushion | 80 (stronger) | 45 |
| Loan quality | 84 | 88 (stronger) |
| Earnings | 86 | 100 (stronger) |
| Funding & liquidity | 25 | 66 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 61st | 61st |
| Total assets | $543.6M | $543.0M |
| Deposits / shares | $451.2M | $489.7M |
| Capital ratio | 13.01% (stronger) | 9.55% |
| Problem loans | 0.48% | 0.37% (stronger) |
| Net charge-offs | 0.00% | -0.03% (stronger) |
| Return on assets | 1.65% | 2.21% (stronger) |
| Loans ÷ deposits | 85.4% | 78.5% (stronger) |
| Uninsured deposits | 70.3% | 29.0% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Bank of Texas leads on 1 and Austin County State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.