Side-by-side · Q2 2026 data
First State Bank and Trust Company vs Austin County State Bank
Metric by metric
| Measure | First State Bank and Trust Company | Austin County State Bank |
|---|---|---|
| TellerScore | 65 | 75 (stronger) |
| Capital cushion | 90 (stronger) | 45 |
| Loan quality | 35 | 88 (stronger) |
| Earnings | 59 | 100 (stronger) |
| Funding & liquidity | 60 | 66 (stronger) |
| Problem-loan coverage | 87 | 95 (stronger) |
| Peer percentile | 29th | 61st |
| Total assets | $547.4M | $543.0M |
| Deposits / shares | $490.6M | $489.7M |
| Capital ratio | 14.00% (stronger) | 9.55% |
| Problem loans | 1.96% | 0.37% (stronger) |
| Net charge-offs | 0.19% | -0.03% (stronger) |
| Return on assets | 0.97% | 2.21% (stronger) |
| Loans ÷ deposits | 36.5% (stronger) | 78.5% |
| Uninsured deposits | 51.4% | 29.0% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Austin County State Bank has the higher TellerScore (75 vs 65). On the 7 directional measures above (where higher or lower is clearly better), First State Bank and Trust Company leads on 2 and Austin County State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.