Side-by-side · Q2 2026 data
Ozona Bank vs First Lockhart Bank
Metric by metric
| Measure | Ozona Bank | First Lockhart Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 63 |
| Capital cushion | 73 (stronger) | 43 |
| Loan quality | 100 (stronger) | 90 |
| Earnings | 47 | 48 (stronger) |
| Funding & liquidity | 83 (stronger) | 57 |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 75th | 24th |
| Total assets | $346.1M | $415.9M |
| Deposits / shares | $282.8M | $375.0M |
| Capital ratio | 12.31% (stronger) | 9.34% |
| Problem loans | 0.00% (stronger) | 0.29% |
| Net charge-offs | 0.03% | 0.03% (stronger) |
| Return on assets | 0.68% | 0.70% (stronger) |
| Loans ÷ deposits | 62.4% (stronger) | 82.9% |
| Uninsured deposits | 28.0% (stronger) | 33.0% |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.8% |
Ozona Bank has the higher TellerScore (79 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Ozona Bank leads on 5 and First Lockhart Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.