Side-by-side · Q2 2026 data
Security State Bank & Trust vs Texas First Bank
Metric by metric
| Measure | Security State Bank & Trust | Texas First Bank |
|---|---|---|
| TellerScore | 66 | 75 (stronger) |
| Capital cushion | 76 (stronger) | 50 |
| Loan quality | 26 | 94 (stronger) |
| Earnings | 100 (stronger) | 87 |
| Funding & liquidity | 63 (stronger) | 59 |
| Problem-loan coverage | 73 | 98 (stronger) |
| Peer percentile | 40th | 77th |
| Total assets | $2.2B | $2.3B |
| Deposits / shares | $1.8B | $2.1B |
| Capital ratio | 12.58% (stronger) | 9.96% |
| Problem loans | 2.22% | 0.17% (stronger) |
| Net charge-offs | 0.04% | 0.01% (stronger) |
| Return on assets | 2.07% (stronger) | 1.68% |
| Loans ÷ deposits | 85.4% | 64.3% (stronger) |
| Uninsured deposits | 25.7% (stronger) | 48.4% |
| Offices | 18 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.7% | 23.3% |
Texas First Bank has the higher TellerScore (75 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Security State Bank & Trust leads on 3 and Texas First Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.