Side-by-side · Q2 2026 data
Lea County State Bank vs First National Bank
Metric by metric
| Measure | Lea County State Bank | First National Bank |
|---|---|---|
| TellerScore | 49 (stronger) | 42 |
| Capital cushion | 42 | 53 (stronger) |
| Loan quality | 0 | 0 |
| Earnings | 83 (stronger) | 63 |
| Funding & liquidity | 81 (stronger) | 77 |
| Problem-loan coverage | 73 (stronger) | 21 |
| Peer percentile | 6th | 3rd |
| Total assets | $738.3M | $452.8M |
| Deposits / shares | $662.4M | $425.4M |
| Capital ratio | 9.21% | 10.31% (stronger) |
| Problem loans | 3.61% (stronger) | 5.29% |
| Net charge-offs | 0.66% | 0.02% (stronger) |
| Return on assets | 1.58% (stronger) | 1.08% |
| Loans ÷ deposits | 34.6% (stronger) | 50.7% |
| Uninsured deposits | 31.9% (stronger) | 35.9% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lea County State Bank has the higher TellerScore (49 vs 42). On the 7 directional measures above (where higher or lower is clearly better), Lea County State Bank leads on 5 and First National Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.