Side-by-side · Q2 2026 data
First National Bank Texas vs Vantage Bank Texas
Metric by metric
| Measure | First National Bank Texas | Vantage Bank Texas |
|---|---|---|
| TellerScore | 64 (stronger) | 61 |
| Capital cushion | 41 (stronger) | 40 |
| Loan quality | 59 | 71 (stronger) |
| Earnings | 69 | 86 (stronger) |
| Funding & liquidity | 100 (stronger) | 35 |
| Problem-loan coverage | 83 | 85 (stronger) |
| Peer percentile | 33rd | 24th |
| Total assets | $4.6B | $5.1B |
| Deposits / shares | $4.1B | $4.6B |
| Capital ratio | 9.12% (stronger) | 9.02% |
| Problem loans | 1.23% | 0.87% (stronger) |
| Net charge-offs | 0.84% | 0.31% (stronger) |
| Return on assets | 1.21% | 1.64% (stronger) |
| Loans ÷ deposits | 55.1% (stronger) | 87.7% |
| Uninsured deposits | 8.5% (stronger) | 48.7% |
| Offices | 355 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | 10.2% |
First National Bank Texas has the higher TellerScore (64 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First National Bank Texas leads on 4 and Vantage Bank Texas on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.