Side-by-side · Q2 2026 data
First Lockhart Bank vs Texas State Bank
Metric by metric
| Measure | First Lockhart Bank | Texas State Bank |
|---|---|---|
| TellerScore | 63 | 91 (stronger) |
| Capital cushion | 43 | 86 (stronger) |
| Loan quality | 90 | 100 (stronger) |
| Earnings | 48 | 100 (stronger) |
| Funding & liquidity | 57 | 69 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 24th | 96th |
| Total assets | $415.9M | $425.5M |
| Deposits / shares | $375.0M | $354.2M |
| Capital ratio | 9.34% | 13.58% (stronger) |
| Problem loans | 0.29% | 0.00% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 0.70% | 2.54% (stronger) |
| Loans ÷ deposits | 82.9% | 78.6% (stronger) |
| Uninsured deposits | 33.0% | 26.7% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | 1.5% |
Texas State Bank has the higher TellerScore (91 vs 63). On the 7 directional measures above (where higher or lower is clearly better), First Lockhart Bank leads on 0 and Texas State Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.