Side-by-side · Q2 2026 data
First Texas Bank vs First National Bank of Central Texas
Metric by metric
| Measure | First Texas Bank | First National Bank of Central Texas |
|---|---|---|
| TellerScore | 81 | 81 |
| Capital cushion | 51 | 58 (stronger) |
| Loan quality | 100 (stronger) | 97 |
| Earnings | 96 | 100 (stronger) |
| Funding & liquidity | 75 (stronger) | 65 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 80th | 91st |
| Total assets | $259.7M | $1.8B |
| Deposits / shares | $232.4M | $1.6B |
| Capital ratio | 10.14% | 10.83% (stronger) |
| Problem loans | 0.00% (stronger) | 0.10% |
| Net charge-offs | -0.09% (stronger) | 0.02% |
| Return on assets | 1.90% | 2.55% (stronger) |
| Loans ÷ deposits | 39.9% (stronger) | 87.8% |
| Uninsured deposits | 38.2% | 21.1% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.9% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First Texas Bank leads on 3 and First National Bank of Central Texas on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Lampasas, TX