Side-by-side · Q2 2026 data
First State Bank of Burnet vs Kress National Bank
Metric by metric
| Measure | First State Bank of Burnet | Kress National Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 76 |
| Capital cushion | 75 (stronger) | 46 |
| Loan quality | 96 | 100 (stronger) |
| Earnings | 85 (stronger) | 72 |
| Funding & liquidity | 85 | 87 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 90th | 56th |
| Total assets | $325.8M | $63.7M |
| Deposits / shares | $289.0M | $57.5M |
| Capital ratio | 12.53% (stronger) | 9.64% |
| Problem loans | 0.13% | 0.00% (stronger) |
| Net charge-offs | 0.02% | -0.24% (stronger) |
| Return on assets | 1.61% (stronger) | 1.30% |
| Loans ÷ deposits | 61.7% | 25.8% (stronger) |
| Uninsured deposits | 27.1% | 27.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of Burnet has the higher TellerScore (86 vs 76). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Burnet leads on 3 and Kress National Bank on 4. 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.