Side-by-side · Q2 2026 data
First State Bank vs First National Bank in Port Lavaca
Metric by metric
| Measure | First State Bank | First National Bank in Port Lavaca |
|---|---|---|
| TellerScore | 88 (stronger) | 54 |
| Capital cushion | 76 | 80 (stronger) |
| Loan quality | 100 (stronger) | 20 |
| Earnings | 100 (stronger) | 36 |
| Funding & liquidity | 70 | 70 |
| Problem-loan coverage | 100 (stronger) | 76 |
| Peer percentile | 92nd | 10th |
| Total assets | $371.9M | $361.3M |
| Deposits / shares | $326.4M | $294.3M |
| Capital ratio | 12.58% | 13.00% (stronger) |
| Problem loans | 0.00% (stronger) | 2.39% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 2.27% (stronger) | 0.40% |
| Loans ÷ deposits | 74.7% | 68.0% (stronger) |
| Uninsured deposits | 28.9% (stronger) | 35.0% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (88 vs 54). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 5 and First National Bank in Port Lavaca on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.