Side-by-side · Q2 2026 data
First State Bank vs North Dallas Bank & Trust Co.
Metric by metric
| Measure | First State Bank | North Dallas Bank & Trust Co. |
|---|---|---|
| TellerScore | 61 (stronger) | 51 |
| Capital cushion | 46 | 52 (stronger) |
| Loan quality | 69 (stronger) | 49 |
| Earnings | 52 (stronger) | 40 |
| Funding & liquidity | 71 (stronger) | 50 |
| Problem-loan coverage | 86 (stronger) | 81 |
| Peer percentile | 24th | 8th |
| Total assets | $1.9B | $1.8B |
| Deposits / shares | $1.7B | $1.6B |
| Capital ratio | 9.61% | 10.22% (stronger) |
| Problem loans | 0.94% (stronger) | 1.54% |
| Net charge-offs | 0.40% | 0.03% (stronger) |
| Return on assets | 0.80% (stronger) | 0.49% |
| Loans ÷ deposits | 56.8% (stronger) | 79.5% |
| Uninsured deposits | 41.4% (stronger) | 42.7% |
| Offices | 14 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | 20.9% |
First State Bank has the higher TellerScore (61 vs 51). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 5 and North Dallas Bank & Trust Co. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.