Side-by-side · Q2 2026 data
Security State Bank & Trust vs Texas Community Bank
Metric by metric
| Measure | Security State Bank & Trust | Texas Community Bank |
|---|---|---|
| TellerScore | 66 | 84 (stronger) |
| Capital cushion | 76 | 78 (stronger) |
| Loan quality | 26 | 93 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 63 (stronger) | 50 |
| Problem-loan coverage | 73 | 98 (stronger) |
| Peer percentile | 40th | 95th |
| Total assets | $2.2B | $2.2B |
| Deposits / shares | $1.8B | $1.9B |
| Capital ratio | 12.58% | 12.78% (stronger) |
| Problem loans | 2.22% | 0.20% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.05% |
| Return on assets | 2.07% (stronger) | 2.03% |
| Loans ÷ deposits | 85.4% | 58.6% (stronger) |
| Uninsured deposits | 25.7% (stronger) | 63.9% |
| Offices | 18 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.7% | 7.9% |
Texas Community Bank has the higher TellerScore (84 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Security State Bank & Trust leads on 3 and Texas Community Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.