Side-by-side · Q2 2026 data
First State Bank of Odem vs Lone Star Bank
Metric by metric
| Measure | First State Bank of Odem | Lone Star Bank |
|---|---|---|
| TellerScore | 95 (stronger) | 77 |
| Capital cushion | 94 (stronger) | 77 |
| Loan quality | 100 (stronger) | 90 |
| Earnings | 100 (stronger) | 67 |
| Funding & liquidity | 79 (stronger) | 53 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 99th | 68th |
| Total assets | $212.6M | $202.3M |
| Deposits / shares | $181.0M | $176.0M |
| Capital ratio | 14.39% (stronger) | 12.65% |
| Problem loans | 0.00% (stronger) | 0.29% |
| Net charge-offs | -0.72% (stronger) | -0.00% |
| Return on assets | 2.40% (stronger) | 1.19% |
| Loans ÷ deposits | 57.0% (stronger) | 98.9% |
| Uninsured deposits | 34.2% | 22.4% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of Odem has the higher TellerScore (95 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Odem leads on 6 and Lone Star Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.