Side-by-side · Q2 2026 data
First Commercial Bank, National Association vs Austin County State Bank
Metric by metric
| Measure | First Commercial Bank, National Association | Austin County State Bank |
|---|---|---|
| TellerScore | 73 | 75 (stronger) |
| Capital cushion | 53 (stronger) | 45 |
| Loan quality | 85 | 88 (stronger) |
| Earnings | 75 | 100 (stronger) |
| Funding & liquidity | 78 (stronger) | 66 |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 53rd | 61st |
| Total assets | $565.9M | $543.0M |
| Deposits / shares | $502.1M | $489.7M |
| Capital ratio | 10.25% (stronger) | 9.55% |
| Problem loans | 0.45% | 0.37% (stronger) |
| Net charge-offs | 0.00% | -0.03% (stronger) |
| Return on assets | 1.37% | 2.21% (stronger) |
| Loans ÷ deposits | 59.5% (stronger) | 78.5% |
| Uninsured deposits | 35.3% | 29.0% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.6% | — |
Austin County State Bank has the higher TellerScore (75 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First Commercial Bank, National Association leads on 2 and Austin County State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.