Side-by-side · Q2 2026 data
First National Bank Texas vs Texas Community Bank
Metric by metric
| Measure | First National Bank Texas | Texas Community Bank |
|---|---|---|
| TellerScore | 64 | 84 (stronger) |
| Capital cushion | 41 | 78 (stronger) |
| Loan quality | 59 | 93 (stronger) |
| Earnings | 69 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 50 |
| Problem-loan coverage | 83 | 98 (stronger) |
| Peer percentile | 33rd | 95th |
| Total assets | $4.6B | $2.2B |
| Deposits / shares | $4.1B | $1.9B |
| Capital ratio | 9.12% | 12.78% (stronger) |
| Problem loans | 1.23% | 0.20% (stronger) |
| Net charge-offs | 0.84% | 0.05% (stronger) |
| Return on assets | 1.21% | 2.03% (stronger) |
| Loans ÷ deposits | 55.1% (stronger) | 58.6% |
| Uninsured deposits | 8.5% (stronger) | 63.9% |
| Offices | 355 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | 7.9% |
Texas Community Bank has the higher TellerScore (84 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First National Bank Texas leads on 2 and Texas Community Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.