Side-by-side · Q2 2026 data
Kleberg Bank, N.A. vs First State Bank
Metric by metric
| Measure | Kleberg Bank, N.A. | First State Bank |
|---|---|---|
| TellerScore | 70 | 74 (stronger) |
| Capital cushion | 45 | 64 (stronger) |
| Loan quality | 97 (stronger) | 73 |
| Earnings | 68 | 86 (stronger) |
| Funding & liquidity | 57 | 67 (stronger) |
| Problem-loan coverage | 99 (stronger) | 91 |
| Peer percentile | 43rd | 57th |
| Total assets | $736.8M | $761.7M |
| Deposits / shares | $655.5M | $669.5M |
| Capital ratio | 9.45% | 11.44% (stronger) |
| Problem loans | 0.10% (stronger) | 0.80% |
| Net charge-offs | 0.06% | 0.03% (stronger) |
| Return on assets | 1.20% | 1.65% (stronger) |
| Loans ÷ deposits | 77.2% | 70.7% (stronger) |
| Uninsured deposits | 38.7% | 35.3% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 8.5% |
First State Bank has the higher TellerScore (74 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Kleberg Bank, N.A. leads on 1 and First State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.