Side-by-side · Q2 2026 data
First State Bank vs First State Bank of Ben Wheeler, Texas
Metric by metric
| Measure | First State Bank | First State Bank of Ben Wheeler, Texas |
|---|---|---|
| TellerScore | 53 | 95 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 0 | 98 (stronger) |
| Earnings | 89 (stronger) | 80 |
| Funding & liquidity | 53 | 97 (stronger) |
| Problem-loan coverage | 49 | 100 (stronger) |
| Peer percentile | 9th | 99th |
| Total assets | $184.0M | $185.1M |
| Deposits / shares | $154.0M | $156.1M |
| Capital ratio | 12.57% | 15.66% (stronger) |
| Problem loans | 4.44% | 0.07% (stronger) |
| Net charge-offs | 0.14% | -0.04% (stronger) |
| Return on assets | 1.74% (stronger) | 1.51% |
| Loans ÷ deposits | 94.4% | 42.3% (stronger) |
| Uninsured deposits | 26.1% | 17.9% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of Ben Wheeler, Texas has the higher TellerScore (95 vs 53). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 1 and First State Bank of Ben Wheeler, Texas on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.