Side-by-side · Q2 2026 data
Bank of Texas vs First Commercial Bank, National Association
Metric by metric
| Measure | Bank of Texas | First Commercial Bank, National Association |
|---|---|---|
| TellerScore | 75 (stronger) | 73 |
| Capital cushion | 80 (stronger) | 53 |
| Loan quality | 84 | 85 (stronger) |
| Earnings | 86 (stronger) | 75 |
| Funding & liquidity | 25 | 78 (stronger) |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 61st | 53rd |
| Total assets | $543.6M | $565.9M |
| Deposits / shares | $451.2M | $502.1M |
| Capital ratio | 13.01% (stronger) | 10.25% |
| Problem loans | 0.48% | 0.45% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.65% (stronger) | 1.37% |
| Loans ÷ deposits | 85.4% | 59.5% (stronger) |
| Uninsured deposits | 70.3% | 35.3% (stronger) |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 20.6% |
Bank of Texas has the higher TellerScore (75 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Bank of Texas leads on 4 and First Commercial Bank, National Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.