Side-by-side · Q2 2026 data
National Bank & Trust vs Round Top State Bank
Metric by metric
| Measure | National Bank & Trust | Round Top State Bank |
|---|---|---|
| TellerScore | 72 | 80 (stronger) |
| Capital cushion | 58 | 69 (stronger) |
| Loan quality | 94 (stronger) | 88 |
| Earnings | 37 | 71 (stronger) |
| Funding & liquidity | 90 (stronger) | 87 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 50th | 77th |
| Total assets | $242.0M | $974.1M |
| Deposits / shares | $203.5M | $870.3M |
| Capital ratio | 10.83% | 11.94% (stronger) |
| Problem loans | 0.17% (stronger) | 0.36% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 0.43% | 1.26% (stronger) |
| Loans ÷ deposits | 65.2% (stronger) | 68.3% |
| Uninsured deposits | 19.8% | 19.6% (stronger) |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.1% |
Round Top State Bank has the higher TellerScore (80 vs 72). On the 7 directional measures above (where higher or lower is clearly better), National Bank & Trust leads on 2 and Round Top State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- La Grange, TX