Side-by-side · Q2 2026 data
Charter Bank vs Llano National Bank
Metric by metric
| Measure | Charter Bank | Llano National Bank |
|---|---|---|
| TellerScore | 58 | 80 (stronger) |
| Capital cushion | 63 | 81 (stronger) |
| Loan quality | 7 | 85 (stronger) |
| Earnings | 100 (stronger) | 61 |
| Funding & liquidity | 69 | 84 (stronger) |
| Problem-loan coverage | 67 | 96 (stronger) |
| Peer percentile | 16th | 77th |
| Total assets | $292.3M | $301.1M |
| Deposits / shares | $265.2M | $265.9M |
| Capital ratio | 11.30% | 13.11% (stronger) |
| Problem loans | 2.78% | 0.45% (stronger) |
| Net charge-offs | 0.36% | 0.20% (stronger) |
| Return on assets | 2.29% (stronger) | 1.02% |
| Loans ÷ deposits | 61.9% (stronger) | 64.0% |
| Uninsured deposits | 41.0% | 26.1% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Llano National Bank has the higher TellerScore (80 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Charter Bank leads on 2 and Llano National Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.