Side-by-side · Q2 2026 data
First National Bank Texas vs South Texas Regional Federal Credit Union
Credit union
South Texas Regional Federal Credit Union
Laredo, Texas · Under $100 million in assets
Metric by metric
| Measure | First National Bank Texas | South Texas Regional Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 83 (stronger) |
| Capital cushion | 41 | 100 (stronger) |
| Loan quality | 59 | 95 (stronger) |
| Earnings | 69 (stronger) | 39 |
| Funding & liquidity | 100 (stronger) | 80 |
| Problem-loan coverage | 83 | 99 (stronger) |
| Peer percentile | 33rd | 72nd |
| Total assets | $4.6B | $5.7M |
| Deposits / shares | $4.1B | $4.8M |
| Capital ratio | 9.12% | 15.47% (stronger) |
| Problem loans | 1.23% | 0.15% (stronger) |
| Net charge-offs | 0.84% | 0.16% (stronger) |
| Return on assets | 1.21% (stronger) | 0.47% |
| Loans ÷ deposits | 55.1% (stronger) | 80.5% |
| Uninsured deposits | 8.5% | 0.0% (stronger) |
| Offices | 355 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | — |
South Texas Regional Federal Credit Union has the higher TellerScore (83 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First National Bank Texas leads on 2 and South Texas Regional Federal Credit Union on 5. 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.