Side-by-side · Q2 2026 data
National Bank & Trust vs Bridge City State Bank
Metric by metric
| Measure | National Bank & Trust | Bridge City State Bank |
|---|---|---|
| TellerScore | 72 | 76 (stronger) |
| Capital cushion | 58 | 67 (stronger) |
| Loan quality | 94 | 97 (stronger) |
| Earnings | 37 | 64 (stronger) |
| Funding & liquidity | 90 (stronger) | 60 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 50th | 64th |
| Total assets | $242.0M | $246.8M |
| Deposits / shares | $203.5M | $199.7M |
| Capital ratio | 10.83% | 11.71% (stronger) |
| Problem loans | 0.17% | 0.08% (stronger) |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 0.43% | 1.09% (stronger) |
| Loans ÷ deposits | 65.2% (stronger) | 66.8% |
| Uninsured deposits | 19.8% (stronger) | 45.1% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.7% |
Bridge City State Bank has the higher TellerScore (76 vs 72). On the 7 directional measures above (where higher or lower is clearly better), National Bank & Trust leads on 2 and Bridge City State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.