Side-by-side · Q2 2026 data
First State Bank of Burnet vs ValueBank Texas
Metric by metric
| Measure | First State Bank of Burnet | ValueBank Texas |
|---|---|---|
| TellerScore | 86 (stronger) | 85 |
| Capital cushion | 75 | 75 |
| Loan quality | 96 | 100 (stronger) |
| Earnings | 85 (stronger) | 72 |
| Funding & liquidity | 85 | 88 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 90th | 88th |
| Total assets | $325.8M | $303.6M |
| Deposits / shares | $289.0M | $263.0M |
| Capital ratio | 12.53% | 12.54% (stronger) |
| Problem loans | 0.13% | 0.00% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.61% (stronger) | 1.29% |
| Loans ÷ deposits | 61.7% (stronger) | 62.6% |
| Uninsured deposits | 27.1% | 24.1% (stronger) |
| Offices | 3 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.1% |
First State Bank of Burnet has the higher TellerScore (86 vs 85). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Burnet leads on 3 and ValueBank Texas on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.