Side-by-side · Q2 2026 data
First Lockhart Bank vs HomeBank Texas
Metric by metric
| Measure | First Lockhart Bank | HomeBank Texas |
|---|---|---|
| TellerScore | 63 | 79 (stronger) |
| Capital cushion | 43 | 66 (stronger) |
| Loan quality | 90 | 96 (stronger) |
| Earnings | 48 | 97 (stronger) |
| Funding & liquidity | 57 (stronger) | 44 |
| Problem-loan coverage | 93 (stronger) | 91 |
| Peer percentile | 24th | 75th |
| Total assets | $415.9M | $403.0M |
| Deposits / shares | $375.0M | $354.9M |
| Capital ratio | 9.34% | 11.59% (stronger) |
| Problem loans | 0.29% | 0.11% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 0.70% | 1.92% (stronger) |
| Loans ÷ deposits | 82.9% (stronger) | 83.5% |
| Uninsured deposits | 33.0% (stronger) | 44.2% |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | 14.3% |
HomeBank Texas has the higher TellerScore (79 vs 63). On the 7 directional measures above (where higher or lower is clearly better), First Lockhart Bank leads on 2 and HomeBank Texas on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.