Side-by-side · Q2 2026 data
Security State Bank & Trust vs Llano National Bank
Metric by metric
| Measure | Security State Bank & Trust | Llano National Bank |
|---|---|---|
| TellerScore | 66 | 80 (stronger) |
| Capital cushion | 76 | 81 (stronger) |
| Loan quality | 26 | 85 (stronger) |
| Earnings | 100 (stronger) | 61 |
| Funding & liquidity | 63 | 84 (stronger) |
| Problem-loan coverage | 73 | 96 (stronger) |
| Peer percentile | 40th | 77th |
| Total assets | $2.2B | $301.1M |
| Deposits / shares | $1.8B | $265.9M |
| Capital ratio | 12.58% | 13.11% (stronger) |
| Problem loans | 2.22% | 0.45% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.20% |
| Return on assets | 2.07% (stronger) | 1.02% |
| Loans ÷ deposits | 85.4% | 64.0% (stronger) |
| Uninsured deposits | 25.7% (stronger) | 26.1% |
| Offices | 18 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.7% | — |
Llano National Bank has the higher TellerScore (80 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Security State Bank & Trust leads on 3 and Llano National Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.