Side-by-side · Q2 2026 data
Ozona Bank vs First State Bank of Texas
Metric by metric
| Measure | Ozona Bank | First State Bank of Texas |
|---|---|---|
| TellerScore | 79 (stronger) | 39 |
| Capital cushion | 73 (stronger) | 42 |
| Loan quality | 100 (stronger) | 5 |
| Earnings | 47 (stronger) | 43 |
| Funding & liquidity | 83 (stronger) | 67 |
| Problem-loan coverage | 100 (stronger) | 61 |
| Peer percentile | 75th | 2nd |
| Total assets | $346.1M | $353.6M |
| Deposits / shares | $282.8M | $316.3M |
| Capital ratio | 12.31% (stronger) | 9.20% |
| Problem loans | 0.00% (stronger) | 2.85% |
| Net charge-offs | 0.03% (stronger) | 1.50% |
| Return on assets | 0.68% (stronger) | 0.57% |
| Loans ÷ deposits | 62.4% (stronger) | 81.1% |
| Uninsured deposits | 28.0% | 26.0% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ozona Bank has the higher TellerScore (79 vs 39). On the 7 directional measures above (where higher or lower is clearly better), Ozona Bank leads on 6 and First State Bank of Texas on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.