Side-by-side · Q2 2026 data
First State Bank vs Producer Bank of Texas
Metric by metric
| Measure | First State Bank | Producer Bank of Texas |
|---|---|---|
| TellerScore | 74 (stronger) | 73 |
| Capital cushion | 64 | 100 (stronger) |
| Loan quality | 73 | 81 (stronger) |
| Earnings | 86 (stronger) | 0 |
| Funding & liquidity | 67 | 88 (stronger) |
| Problem-loan coverage | 91 | 98 (stronger) |
| Peer percentile | 57th | 48th |
| Total assets | $761.7M | $58.7M |
| Deposits / shares | $669.5M | $43.3M |
| Capital ratio | 11.44% | 18.61% (stronger) |
| Problem loans | 0.80% | 0.58% (stronger) |
| Net charge-offs | 0.03% | -0.69% (stronger) |
| Return on assets | 1.65% (stronger) | -0.82% |
| Loans ÷ deposits | 70.7% | 58.3% (stronger) |
| Uninsured deposits | 35.3% | 26.0% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.5% | — |
First State Bank has the higher TellerScore (74 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 2 and Producer Bank of Texas on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.