Side-by-side · Q2 2026 data
First Texas National Bank vs First State Bank of Odem
Metric by metric
| Measure | First Texas National Bank | First State Bank of Odem |
|---|---|---|
| TellerScore | 76 | 95 (stronger) |
| Capital cushion | 47 | 94 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 100 | 100 |
| Funding & liquidity | 52 | 79 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 64th | 99th |
| Total assets | $216.9M | $212.6M |
| Deposits / shares | $195.3M | $181.0M |
| Capital ratio | 9.69% | 14.39% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.02% | -0.72% (stronger) |
| Return on assets | 2.89% (stronger) | 2.40% |
| Loans ÷ deposits | 96.3% | 57.0% (stronger) |
| Uninsured deposits | 25.4% (stronger) | 34.2% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of Odem has the higher TellerScore (95 vs 76). On the 6 directional measures above (where higher or lower is clearly better), First Texas National Bank leads on 2 and First State Bank of Odem on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.