Side-by-side · Q2 2026 data
First Lockhart Bank vs Austin Capital Bank SSB
Metric by metric
| Measure | First Lockhart Bank | Austin Capital Bank SSB |
|---|---|---|
| TellerScore | 63 | 67 (stronger) |
| Capital cushion | 43 | 52 (stronger) |
| Loan quality | 90 | 90 |
| Earnings | 48 | 58 (stronger) |
| Funding & liquidity | 57 (stronger) | 50 |
| Problem-loan coverage | 93 | 94 (stronger) |
| Peer percentile | 24th | 34th |
| Total assets | $415.9M | $395.4M |
| Deposits / shares | $375.0M | $308.4M |
| Capital ratio | 9.34% | 10.22% (stronger) |
| Problem loans | 0.29% (stronger) | 0.30% |
| Net charge-offs | 0.03% | -0.01% (stronger) |
| Return on assets | 0.70% | 0.95% (stronger) |
| Loans ÷ deposits | 82.9% (stronger) | 110.1% |
| Uninsured deposits | 33.0% | 13.0% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | — |
Austin Capital Bank SSB has the higher TellerScore (67 vs 63). On the 7 directional measures above (where higher or lower is clearly better), First Lockhart Bank leads on 2 and Austin Capital Bank SSB on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.