Side-by-side · Q2 2026 data
First State Bank vs The American National Bank of Texas
Metric by metric
| Measure | First State Bank | The American National Bank of Texas |
|---|---|---|
| TellerScore | 84 (stronger) | 61 |
| Capital cushion | 100 (stronger) | 38 |
| Loan quality | 92 | 92 |
| Earnings | 73 (stronger) | 45 |
| Funding & liquidity | 47 | 55 (stronger) |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 86th | 24th |
| Total assets | $150.8M | $5.5B |
| Deposits / shares | $122.9M | $4.6B |
| Capital ratio | 15.90% (stronger) | 8.84% |
| Problem loans | 0.23% (stronger) | 0.23% |
| Net charge-offs | 0.19% | 0.03% (stronger) |
| Return on assets | 1.32% (stronger) | 0.63% |
| Loans ÷ deposits | 86.0% | 73.0% (stronger) |
| Uninsured deposits | 39.8% (stronger) | 43.9% |
| Offices | 4 | 28 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.4% |
First State Bank has the higher TellerScore (84 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 5 and The American National Bank of Texas on 2. 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.