Side-by-side · Q2 2026 data
Security State Bank vs First National Bank of Hereford
Metric by metric
| Measure | Security State Bank | First National Bank of Hereford |
|---|---|---|
| TellerScore | 88 (stronger) | 84 |
| Capital cushion | 96 (stronger) | 73 |
| Loan quality | 99 (stronger) | 98 |
| Earnings | 100 | 100 |
| Funding & liquidity | 43 | 52 (stronger) |
| Problem-loan coverage | 84 | 99 (stronger) |
| Peer percentile | 92nd | 86th |
| Total assets | $338.0M | $344.6M |
| Deposits / shares | $288.3M | $294.4M |
| Capital ratio | 14.61% (stronger) | 12.32% |
| Problem loans | 0.03% (stronger) | 0.05% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 2.86% (stronger) | 2.20% |
| Loans ÷ deposits | 92.1% (stronger) | 99.8% |
| Uninsured deposits | 37.7% | 22.8% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.6% |
Security State Bank has the higher TellerScore (88 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Security State Bank leads on 6 and First National Bank of Hereford on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.