Side-by-side · Q2 2026 data
First State Bank of Ben Wheeler, Texas vs Peoples Bank
Metric by metric
| Measure | First State Bank of Ben Wheeler, Texas | Peoples Bank |
|---|---|---|
| TellerScore | 95 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 46 |
| Loan quality | 98 (stronger) | 92 |
| Earnings | 80 | 93 (stronger) |
| Funding & liquidity | 97 (stronger) | 73 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 99th | 64th |
| Total assets | $185.1M | $185.4M |
| Deposits / shares | $156.1M | $168.4M |
| Capital ratio | 15.66% (stronger) | 9.56% |
| Problem loans | 0.07% (stronger) | 0.25% |
| Net charge-offs | -0.04% (stronger) | 0.03% |
| Return on assets | 1.51% | 1.83% (stronger) |
| Loans ÷ deposits | 42.3% (stronger) | 87.2% |
| Uninsured deposits | 17.9% | 13.6% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of Ben Wheeler, Texas has the higher TellerScore (95 vs 76). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Ben Wheeler, Texas leads on 5 and Peoples Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.