Side-by-side · Q2 2026 data
HomeTown Bank, National Association vs Texas First Bank
Metric by metric
| Measure | HomeTown Bank, National Association | Texas First Bank |
|---|---|---|
| TellerScore | 75 | 75 |
| Capital cushion | 63 (stronger) | 50 |
| Loan quality | 99 (stronger) | 94 |
| Earnings | 63 | 87 (stronger) |
| Funding & liquidity | 57 | 59 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 61st | 77th |
| Total assets | $990.4M | $2.3B |
| Deposits / shares | $891.1M | $2.1B |
| Capital ratio | 11.33% (stronger) | 9.96% |
| Problem loans | 0.04% (stronger) | 0.17% |
| Net charge-offs | 0.01% | 0.01% (stronger) |
| Return on assets | 1.07% | 1.68% (stronger) |
| Loans ÷ deposits | 77.5% | 64.3% (stronger) |
| Uninsured deposits | 38.1% (stronger) | 48.4% |
| Offices | 7 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.3% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), HomeTown Bank, National Association leads on 3 and Texas First Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.