Side-by-side · Q2 2026 data
First National Bank of Central Texas vs First State Bank of Bedias
Metric by metric
| Measure | First National Bank of Central Texas | First State Bank of Bedias |
|---|---|---|
| TellerScore | 81 | 81 |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 97 (stronger) | 33 |
| Earnings | 100 | 100 |
| Funding & liquidity | 65 | 94 (stronger) |
| Problem-loan coverage | 98 (stronger) | 88 |
| Peer percentile | 91st | 80th |
| Total assets | $1.8B | $224.8M |
| Deposits / shares | $1.6B | $184.7M |
| Capital ratio | 10.83% | 17.94% (stronger) |
| Problem loans | 0.10% (stronger) | 2.01% |
| Net charge-offs | 0.02% (stronger) | 0.21% |
| Return on assets | 2.55% | 2.58% (stronger) |
| Loans ÷ deposits | 87.8% | 66.6% (stronger) |
| Uninsured deposits | 21.1% | 15.0% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First National Bank of Central Texas leads on 2 and First State Bank of Bedias on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.