Side-by-side · Q2 2026 data
First State Bank and Trust Company vs East Texas Professional Credit Union
Credit union
East Texas Professional Credit Union
Longview, Texas · $1 billion – $10 billion
Metric by metric
| Measure | First State Bank and Trust Company | East Texas Professional Credit Union |
|---|---|---|
| TellerScore | 65 | 90 (stronger) |
| Capital cushion | 90 | 100 (stronger) |
| Loan quality | 35 | 86 (stronger) |
| Earnings | 59 | 91 (stronger) |
| Funding & liquidity | 60 | 75 (stronger) |
| Problem-loan coverage | 87 | 95 (stronger) |
| Peer percentile | 29th | 98th |
| Total assets | $547.4M | $1.4B |
| Deposits / shares | $490.6M | $1.2B |
| Capital ratio | 14.00% | 19.38% (stronger) |
| Problem loans | 1.96% | 0.41% (stronger) |
| Net charge-offs | 0.19% (stronger) | 0.38% |
| Return on assets | 0.97% | 1.78% (stronger) |
| Loans ÷ deposits | 36.5% (stronger) | 84.9% |
| Uninsured deposits | 51.4% | 2.1% (stronger) |
| Offices | 1 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.5% |
East Texas Professional Credit Union has the higher TellerScore (90 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 East Texas Professional Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.