Side-by-side · Q2 2026 data
First State Bank of Texas vs First National Bank of Hereford
Metric by metric
| Measure | First State Bank of Texas | First National Bank of Hereford |
|---|---|---|
| TellerScore | 39 | 84 (stronger) |
| Capital cushion | 42 | 73 (stronger) |
| Loan quality | 5 | 98 (stronger) |
| Earnings | 43 | 100 (stronger) |
| Funding & liquidity | 67 (stronger) | 52 |
| Problem-loan coverage | 61 | 99 (stronger) |
| Peer percentile | 2nd | 86th |
| Total assets | $353.6M | $344.6M |
| Deposits / shares | $316.3M | $294.4M |
| Capital ratio | 9.20% | 12.32% (stronger) |
| Problem loans | 2.85% | 0.05% (stronger) |
| Net charge-offs | 1.50% | 0.00% (stronger) |
| Return on assets | 0.57% | 2.20% (stronger) |
| Loans ÷ deposits | 81.1% (stronger) | 99.8% |
| Uninsured deposits | 26.0% | 22.8% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.6% |
First National Bank of Hereford has the higher TellerScore (84 vs 39). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Texas leads on 1 and First National Bank of Hereford on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.