Side-by-side · Q2 2026 data
Ozona Bank vs The National Bank of Andrews
Metric by metric
| Measure | Ozona Bank | The National Bank of Andrews |
|---|---|---|
| TellerScore | 79 (stronger) | 49 |
| Capital cushion | 73 (stronger) | 51 |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 47 | 100 (stronger) |
| Funding & liquidity | 83 (stronger) | 52 |
| Problem-loan coverage | 100 (stronger) | 58 |
| Peer percentile | 75th | 6th |
| Total assets | $346.1M | $340.5M |
| Deposits / shares | $282.8M | $298.2M |
| Capital ratio | 12.31% (stronger) | 10.11% |
| Problem loans | 0.00% (stronger) | 3.05% |
| Net charge-offs | 0.03% (stronger) | 0.27% |
| Return on assets | 0.68% | 2.71% (stronger) |
| Loans ÷ deposits | 62.4% (stronger) | 73.4% |
| Uninsured deposits | 28.0% (stronger) | 46.5% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ozona Bank has the higher TellerScore (79 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Ozona Bank leads on 6 and The National Bank of Andrews on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.