Side-by-side · Q2 2026 data
Kleberg Bank, N.A. vs First State Bank of Odem
Metric by metric
| Measure | Kleberg Bank, N.A. | First State Bank of Odem |
|---|---|---|
| TellerScore | 70 | 95 (stronger) |
| Capital cushion | 45 | 94 (stronger) |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 68 | 100 (stronger) |
| Funding & liquidity | 57 | 79 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 43rd | 99th |
| Total assets | $736.8M | $212.6M |
| Deposits / shares | $655.5M | $181.0M |
| Capital ratio | 9.45% | 14.39% (stronger) |
| Problem loans | 0.10% | 0.00% (stronger) |
| Net charge-offs | 0.06% | -0.72% (stronger) |
| Return on assets | 1.20% | 2.40% (stronger) |
| Loans ÷ deposits | 77.2% | 57.0% (stronger) |
| Uninsured deposits | 38.7% | 34.2% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
First State Bank of Odem has the higher TellerScore (95 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Kleberg Bank, N.A. leads on 0 and First State Bank of Odem on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.