Side-by-side · Q2 2026 data
First State Bank and Trust Company vs Bank of Texas
Metric by metric
| Measure | First State Bank and Trust Company | Bank of Texas |
|---|---|---|
| TellerScore | 65 | 75 (stronger) |
| Capital cushion | 90 (stronger) | 80 |
| Loan quality | 35 | 84 (stronger) |
| Earnings | 59 | 86 (stronger) |
| Funding & liquidity | 60 (stronger) | 25 |
| Problem-loan coverage | 87 | 95 (stronger) |
| Peer percentile | 29th | 61st |
| Total assets | $547.4M | $543.6M |
| Deposits / shares | $490.6M | $451.2M |
| Capital ratio | 14.00% (stronger) | 13.01% |
| Problem loans | 1.96% | 0.48% (stronger) |
| Net charge-offs | 0.19% | 0.00% (stronger) |
| Return on assets | 0.97% | 1.65% (stronger) |
| Loans ÷ deposits | 36.5% (stronger) | 85.4% |
| Uninsured deposits | 51.4% (stronger) | 70.3% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Texas 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 3 and Bank of Texas on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.