Side-by-side · Q2 2026 data
Horizon Bank, SSB vs First Texas Bank
Metric by metric
| Measure | Horizon Bank, SSB | First Texas Bank |
|---|---|---|
| TellerScore | 72 | 80 (stronger) |
| Capital cushion | 40 | 62 (stronger) |
| Loan quality | 100 (stronger) | 81 |
| Earnings | 90 | 94 (stronger) |
| Funding & liquidity | 48 | 87 (stronger) |
| Problem-loan coverage | 100 (stronger) | 88 |
| Peer percentile | 66th | 90th |
| Total assets | $2.6B | $1.3B |
| Deposits / shares | $2.2B | $1.2B |
| Capital ratio | 8.95% | 11.25% (stronger) |
| Problem loans | 0.00% (stronger) | 0.58% |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 1.74% | 1.85% (stronger) |
| Loans ÷ deposits | 72.7% | 49.2% (stronger) |
| Uninsured deposits | 50.6% | 26.6% (stronger) |
| Offices | 6 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.9% |
First Texas Bank has the higher TellerScore (80 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Horizon Bank, SSB leads on 1 and First Texas Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.