Side-by-side · Q2 2026 data
First State Bank vs Muenster State Bank
Metric by metric
| Measure | First State Bank | Muenster State Bank |
|---|---|---|
| TellerScore | 61 | 98 (stronger) |
| Capital cushion | 46 | 98 (stronger) |
| Loan quality | 69 | 100 (stronger) |
| Earnings | 52 | 100 (stronger) |
| Funding & liquidity | 71 | 90 (stronger) |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 24th | 100th |
| Total assets | $1.9B | $227.0M |
| Deposits / shares | $1.7B | $192.3M |
| Capital ratio | 9.61% | 14.78% (stronger) |
| Problem loans | 0.94% | 0.00% (stronger) |
| Net charge-offs | 0.40% | 0.00% (stronger) |
| Return on assets | 0.80% | 2.36% (stronger) |
| Loans ÷ deposits | 56.8% | 42.5% (stronger) |
| Uninsured deposits | 41.4% | 24.1% (stronger) |
| Offices | 14 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | — |
Muenster State Bank has the higher TellerScore (98 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 0 and Muenster State Bank on 7. 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.
Where both have branches
- Gainesville, TX
- Muenster, TX