Side-by-side · Q2 2026 data
First National Bank Texas vs Lea County State Bank
Metric by metric
| Measure | First National Bank Texas | Lea County State Bank |
|---|---|---|
| TellerScore | 64 (stronger) | 49 |
| Capital cushion | 41 | 42 (stronger) |
| Loan quality | 59 (stronger) | 0 |
| Earnings | 69 | 83 (stronger) |
| Funding & liquidity | 100 (stronger) | 81 |
| Problem-loan coverage | 83 (stronger) | 73 |
| Peer percentile | 33rd | 6th |
| Total assets | $4.6B | $738.3M |
| Deposits / shares | $4.1B | $662.4M |
| Capital ratio | 9.12% | 9.21% (stronger) |
| Problem loans | 1.23% (stronger) | 3.61% |
| Net charge-offs | 0.84% | 0.66% (stronger) |
| Return on assets | 1.21% | 1.58% (stronger) |
| Loans ÷ deposits | 55.1% | 34.6% (stronger) |
| Uninsured deposits | 8.5% (stronger) | 31.9% |
| Offices | 355 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | — |
First National Bank Texas has the higher TellerScore (64 vs 49). On the 7 directional measures above (where higher or lower is clearly better), First National Bank Texas leads on 3 and Lea County State Bank 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.