Side-by-side · Q2 2026 data
First Community Bank vs Bank of South Texas
Metric by metric
| Measure | First Community Bank | Bank of South Texas |
|---|---|---|
| TellerScore | 81 | 86 (stronger) |
| Capital cushion | 54 | 100 (stronger) |
| Loan quality | 100 (stronger) | 92 |
| Earnings | 91 (stronger) | 64 |
| Funding & liquidity | 78 (stronger) | 67 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 80th | 90th |
| Total assets | $794.4M | $174.5M |
| Deposits / shares | $697.4M | $141.1M |
| Capital ratio | 10.36% | 16.63% (stronger) |
| Problem loans | 0.01% (stronger) | 0.23% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.78% (stronger) | 1.10% |
| Loans ÷ deposits | 66.1% (stronger) | 88.2% |
| Uninsured deposits | 29.3% | 19.7% (stronger) |
| Offices | 9 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Bank of South Texas has the higher TellerScore (86 vs 81). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank leads on 3 and Bank of South Texas on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.