Side-by-side · Q2 2026 data
Stockmens National Bank in Cotulla vs Spectra Bank
Metric by metric
| Measure | Stockmens National Bank in Cotulla | Spectra Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 59 |
| Capital cushion | 56 (stronger) | 29 |
| Loan quality | 100 | 100 |
| Earnings | 88 (stronger) | 28 |
| Funding & liquidity | 74 (stronger) | 66 |
| Problem-loan coverage | 80 | 100 (stronger) |
| Peer percentile | 75th | 17th |
| Total assets | $124.1M | $126.7M |
| Deposits / shares | $111.7M | $110.8M |
| Capital ratio | 10.62% (stronger) | 7.88% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | -0.02% (stronger) | 0.25% |
| Return on assets | 1.70% (stronger) | 0.20% |
| Loans ÷ deposits | 22.3% (stronger) | 77.9% |
| Uninsured deposits | 38.6% | 29.8% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Stockmens National Bank in Cotulla has the higher TellerScore (79 vs 59). On the 6 directional measures above (where higher or lower is clearly better), Stockmens National Bank in Cotulla leads on 5 and Spectra Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.