Side-by-side · Q2 2026 data
First National Bank of Central Texas vs First State Bank
Metric by metric
| Measure | First National Bank of Central Texas | First State Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 61 |
| Capital cushion | 58 (stronger) | 46 |
| Loan quality | 97 (stronger) | 69 |
| Earnings | 100 (stronger) | 52 |
| Funding & liquidity | 65 | 71 (stronger) |
| Problem-loan coverage | 98 (stronger) | 86 |
| Peer percentile | 91st | 24th |
| Total assets | $1.8B | $1.9B |
| Deposits / shares | $1.6B | $1.7B |
| Capital ratio | 10.83% (stronger) | 9.61% |
| Problem loans | 0.10% (stronger) | 0.94% |
| Net charge-offs | 0.02% (stronger) | 0.40% |
| Return on assets | 2.55% (stronger) | 0.80% |
| Loans ÷ deposits | 87.8% | 56.8% (stronger) |
| Uninsured deposits | 21.1% (stronger) | 41.4% |
| Offices | 8 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.1% |
First National Bank of Central Texas has the higher TellerScore (81 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Central Texas leads on 6 and First State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.