Side-by-side · Q2 2026 data
First State Bank of Texas vs The National Bank of Andrews
Metric by metric
| Measure | First State Bank of Texas | The National Bank of Andrews |
|---|---|---|
| TellerScore | 39 | 49 (stronger) |
| Capital cushion | 42 | 51 (stronger) |
| Loan quality | 5 (stronger) | 0 |
| Earnings | 43 | 100 (stronger) |
| Funding & liquidity | 67 (stronger) | 52 |
| Problem-loan coverage | 61 (stronger) | 58 |
| Peer percentile | 2nd | 6th |
| Total assets | $353.6M | $340.5M |
| Deposits / shares | $316.3M | $298.2M |
| Capital ratio | 9.20% | 10.11% (stronger) |
| Problem loans | 2.85% (stronger) | 3.05% |
| Net charge-offs | 1.50% | 0.27% (stronger) |
| Return on assets | 0.57% | 2.71% (stronger) |
| Loans ÷ deposits | 81.1% | 73.4% (stronger) |
| Uninsured deposits | 26.0% (stronger) | 46.5% |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The National Bank of Andrews has the higher TellerScore (49 vs 39). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Texas leads on 2 and The National Bank of Andrews on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.