Side-by-side · Q2 2026 data
Lone Star Bank vs Austin County State Bank
Metric by metric
| Measure | Lone Star Bank | Austin County State Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 75 |
| Capital cushion | 77 (stronger) | 45 |
| Loan quality | 90 (stronger) | 88 |
| Earnings | 67 | 100 (stronger) |
| Funding & liquidity | 53 | 66 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 68th | 61st |
| Total assets | $202.3M | $543.0M |
| Deposits / shares | $176.0M | $489.7M |
| Capital ratio | 12.65% (stronger) | 9.55% |
| Problem loans | 0.29% (stronger) | 0.37% |
| Net charge-offs | -0.00% | -0.03% (stronger) |
| Return on assets | 1.19% | 2.21% (stronger) |
| Loans ÷ deposits | 98.9% | 78.5% (stronger) |
| Uninsured deposits | 22.4% (stronger) | 29.0% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lone Star Bank has the higher TellerScore (77 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Lone Star Bank leads on 4 and Austin County State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Sealy, TX