Side-by-side · Q2 2026 data
Robert Lee State Bank vs Houston Bank & Trust
Metric by metric
| Measure | Robert Lee State Bank | Houston Bank & Trust |
|---|---|---|
| TellerScore | 64 | 73 (stronger) |
| Capital cushion | 91 | 100 (stronger) |
| Loan quality | 30 | 100 (stronger) |
| Earnings | 32 (stronger) | 0 |
| Funding & liquidity | 91 (stronger) | 50 |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 24th | 48th |
| Total assets | $42.9M | $38.5M |
| Deposits / shares | $37.2M | $2.6M |
| Capital ratio | 14.09% | 93.01% (stronger) |
| Problem loans | 2.09% | 0.00% (stronger) |
| Net charge-offs | 0.55% | 0.00% (stronger) |
| Return on assets | 0.30% (stronger) | -53.11% |
| Loans ÷ deposits | 38.9% | 23.6% (stronger) |
| Uninsured deposits | 23.4% (stronger) | 79.8% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Houston Bank & Trust has the higher TellerScore (73 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Robert Lee State Bank leads on 2 and Houston Bank & Trust on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.