Side-by-side · Q2 2026 data
First Texas Bank vs Round Top State Bank
Metric by metric
| Measure | First Texas Bank | Round Top State Bank |
|---|---|---|
| TellerScore | 80 | 80 |
| Capital cushion | 62 | 69 (stronger) |
| Loan quality | 81 | 88 (stronger) |
| Earnings | 94 (stronger) | 71 |
| Funding & liquidity | 87 | 87 |
| Problem-loan coverage | 88 | 96 (stronger) |
| Peer percentile | 90th | 77th |
| Total assets | $1.3B | $974.1M |
| Deposits / shares | $1.2B | $870.3M |
| Capital ratio | 11.25% | 11.94% (stronger) |
| Problem loans | 0.58% | 0.36% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.85% (stronger) | 1.26% |
| Loans ÷ deposits | 49.2% (stronger) | 68.3% |
| Uninsured deposits | 26.6% | 19.6% (stronger) |
| Offices | 11 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.9% | 8.1% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First Texas Bank leads on 2 and Round Top State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.