Side-by-side · Q2 2026 data
First National Bank Texas vs First Texas Bank
Metric by metric
| Measure | First National Bank Texas | First Texas Bank |
|---|---|---|
| TellerScore | 64 | 80 (stronger) |
| Capital cushion | 41 | 62 (stronger) |
| Loan quality | 59 | 81 (stronger) |
| Earnings | 69 | 94 (stronger) |
| Funding & liquidity | 100 (stronger) | 87 |
| Problem-loan coverage | 83 | 88 (stronger) |
| Peer percentile | 33rd | 90th |
| Total assets | $4.6B | $1.3B |
| Deposits / shares | $4.1B | $1.2B |
| Capital ratio | 9.12% | 11.25% (stronger) |
| Problem loans | 1.23% | 0.58% (stronger) |
| Net charge-offs | 0.84% | 0.01% (stronger) |
| Return on assets | 1.21% | 1.85% (stronger) |
| Loans ÷ deposits | 55.1% | 49.2% (stronger) |
| Uninsured deposits | 8.5% (stronger) | 26.6% |
| Offices | 355 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | 15.9% |
First Texas Bank has the higher TellerScore (80 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First National Bank Texas leads on 1 and First Texas Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Killeen, TX
- Round Rock, TX
- Copperas Cove, TX
- Georgetown, TX
- Belton, TX