Side-by-side · Q2 2026 data
First State Bank of San Diego vs ValueBank Texas
Metric by metric
| Measure | First State Bank of San Diego | ValueBank Texas |
|---|---|---|
| TellerScore | 36 | 85 (stronger) |
| Capital cushion | 40 | 75 (stronger) |
| Loan quality | 12 | 100 (stronger) |
| Earnings | 0 | 72 (stronger) |
| Funding & liquidity | 85 | 88 (stronger) |
| Problem-loan coverage | 87 | 100 (stronger) |
| Peer percentile | 2nd | 88th |
| Total assets | $68.2M | $303.6M |
| Deposits / shares | $61.9M | $263.0M |
| Capital ratio | 9.02% | 12.54% (stronger) |
| Problem loans | 2.65% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | -0.55% | 1.29% (stronger) |
| Loans ÷ deposits | 24.1% (stronger) | 62.6% |
| Uninsured deposits | 29.1% | 24.1% (stronger) |
| Offices | 1 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.1% |
ValueBank Texas has the higher TellerScore (85 vs 36). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of San Diego leads on 2 and ValueBank Texas on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.