Side-by-side · Q2 2026 data
State Bank of De Kalb vs Texar Federal Credit Union
Metric by metric
| Measure | State Bank of De Kalb | Texar Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 81 |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 92 (stronger) | 76 |
| Earnings | 100 (stronger) | 52 |
| Funding & liquidity | 54 | 84 (stronger) |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 82nd | 80th |
| Total assets | $519.9M | $440.5M |
| Deposits / shares | $455.1M | $335.3M |
| Capital ratio | 12.17% | 16.42% (stronger) |
| Problem loans | 0.24% (stronger) | 0.72% |
| Net charge-offs | 0.02% (stronger) | 0.34% |
| Return on assets | 2.29% (stronger) | 0.79% |
| Loans ÷ deposits | 83.5% | 76.5% (stronger) |
| Uninsured deposits | 35.8% | 9.9% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.0% |
State Bank of De Kalb has the higher TellerScore (82 vs 81). On the 7 directional measures above (where higher or lower is clearly better), State Bank of De Kalb leads on 4 and Texar Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Texarkana, TX
- Atlanta, TX
- New Boston, TX