Side-by-side · Q2 2026 data
First State Bank vs Bank of South Texas
Metric by metric
| Measure | First State Bank | Bank of South Texas |
|---|---|---|
| TellerScore | 78 | 86 (stronger) |
| Capital cushion | 91 | 100 (stronger) |
| Loan quality | 37 | 92 (stronger) |
| Earnings | 100 (stronger) | 64 |
| Funding & liquidity | 85 (stronger) | 67 |
| Problem-loan coverage | 90 | 98 (stronger) |
| Peer percentile | 72nd | 90th |
| Total assets | $174.3M | $174.5M |
| Deposits / shares | $148.1M | $141.1M |
| Capital ratio | 14.14% | 16.63% (stronger) |
| Problem loans | 1.90% | 0.23% (stronger) |
| Net charge-offs | 1.04% | 0.00% (stronger) |
| Return on assets | 2.06% (stronger) | 1.10% |
| Loans ÷ deposits | 38.8% (stronger) | 88.2% |
| Uninsured deposits | 28.8% | 19.7% (stronger) |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of South Texas has the higher TellerScore (86 vs 78). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 2 and Bank of South Texas on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.