Side-by-side · Q2 2026 data
First Capital Bank vs Texas Republic Bank, National Association
Metric by metric
| Measure | First Capital Bank | Texas Republic Bank, National Association |
|---|---|---|
| TellerScore | 69 | 71 (stronger) |
| Capital cushion | 46 | 83 (stronger) |
| Loan quality | 77 (stronger) | 65 |
| Earnings | 87 | 91 (stronger) |
| Funding & liquidity | 71 (stronger) | 24 |
| Problem-loan coverage | 82 | 85 (stronger) |
| Peer percentile | 40th | 47th |
| Total assets | $107.3M | $510.6M |
| Deposits / shares | $96.8M | $389.2M |
| Capital ratio | 9.57% | 13.35% (stronger) |
| Problem loans | 0.70% (stronger) | 1.06% |
| Net charge-offs | 1.33% | -0.02% (stronger) |
| Return on assets | 1.67% | 1.78% (stronger) |
| Loans ÷ deposits | 76.8% (stronger) | 112.2% |
| Uninsured deposits | 26.3% (stronger) | 38.8% |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.5% | 0.0% |
Texas Republic Bank, National Association has the higher TellerScore (71 vs 69). On the 7 directional measures above (where higher or lower is clearly better), First Capital Bank leads on 3 and Texas Republic Bank, National Association on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Quanah, TX