Side-by-side · Q2 2026 data
First Capital Bank vs American National Bank & Trust
Metric by metric
| Measure | First Capital Bank | American National Bank & Trust |
|---|---|---|
| TellerScore | 69 (stronger) | 61 |
| Capital cushion | 46 | 52 (stronger) |
| Loan quality | 77 (stronger) | 71 |
| Earnings | 87 (stronger) | 59 |
| Funding & liquidity | 71 (stronger) | 48 |
| Problem-loan coverage | 82 | 86 (stronger) |
| Peer percentile | 40th | 24th |
| Total assets | $107.3M | $2.5B |
| Deposits / shares | $96.8M | $2.2B |
| Capital ratio | 9.57% | 10.18% (stronger) |
| Problem loans | 0.70% (stronger) | 0.88% |
| Net charge-offs | 1.33% | 0.00% (stronger) |
| Return on assets | 1.67% (stronger) | 0.99% |
| Loans ÷ deposits | 76.8% (stronger) | 84.8% |
| Uninsured deposits | 26.3% (stronger) | 39.3% |
| Offices | 2 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.5% | 4.4% |
First Capital Bank has the higher TellerScore (69 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First Capital Bank leads on 5 and American National Bank & Trust on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Wichita Falls, TX
- Quanah, TX