Side-by-side · Q2 2026 data
First National Bank Texas vs First National Bank
Metric by metric
| Measure | First National Bank Texas | First National Bank |
|---|---|---|
| TellerScore | 64 (stronger) | 42 |
| Capital cushion | 41 | 53 (stronger) |
| Loan quality | 59 (stronger) | 0 |
| Earnings | 69 (stronger) | 63 |
| Funding & liquidity | 100 (stronger) | 77 |
| Problem-loan coverage | 83 (stronger) | 21 |
| Peer percentile | 33rd | 3rd |
| Total assets | $4.6B | $452.8M |
| Deposits / shares | $4.1B | $425.4M |
| Capital ratio | 9.12% | 10.31% (stronger) |
| Problem loans | 1.23% (stronger) | 5.29% |
| Net charge-offs | 0.84% | 0.02% (stronger) |
| Return on assets | 1.21% (stronger) | 1.08% |
| Loans ÷ deposits | 55.1% | 50.7% (stronger) |
| Uninsured deposits | 8.5% (stronger) | 35.9% |
| Offices | 355 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | — |
First National Bank Texas has the higher TellerScore (64 vs 42). On the 7 directional measures above (where higher or lower is clearly better), First National Bank Texas leads on 4 and First National Bank on 3. 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.