Side-by-side · Q2 2026 data
Security Bank of Texas vs First State Bank
Metric by metric
| Measure | Security Bank of Texas | First State Bank |
|---|---|---|
| TellerScore | 62 | 78 (stronger) |
| Capital cushion | 70 | 91 (stronger) |
| Loan quality | 42 (stronger) | 37 |
| Earnings | 60 | 100 (stronger) |
| Funding & liquidity | 70 | 85 (stronger) |
| Problem-loan coverage | 76 | 90 (stronger) |
| Peer percentile | 22nd | 72nd |
| Total assets | $175.9M | $174.3M |
| Deposits / shares | $152.6M | $148.1M |
| Capital ratio | 12.00% | 14.14% (stronger) |
| Problem loans | 1.75% (stronger) | 1.90% |
| Net charge-offs | 0.16% (stronger) | 1.04% |
| Return on assets | 1.00% | 2.06% (stronger) |
| Loans ÷ deposits | 81.1% | 38.8% (stronger) |
| Uninsured deposits | 23.1% (stronger) | 28.8% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.4% | — |
First State Bank has the higher TellerScore (78 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Security Bank of Texas leads on 3 and First State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.