Side-by-side · Q2 2026 data
Stockmens National Bank in Cotulla vs The First State Bank
Metric by metric
| Measure | Stockmens National Bank in Cotulla | The First State Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 61 |
| Capital cushion | 56 | 56 |
| Loan quality | 100 (stronger) | 28 |
| Earnings | 88 | 100 (stronger) |
| Funding & liquidity | 74 (stronger) | 66 |
| Problem-loan coverage | 80 (stronger) | 68 |
| Peer percentile | 75th | 20th |
| Total assets | $124.1M | $895.2M |
| Deposits / shares | $111.7M | $806.8M |
| Capital ratio | 10.62% (stronger) | 10.58% |
| Problem loans | 0.00% (stronger) | 2.16% |
| Net charge-offs | -0.02% (stronger) | 0.12% |
| Return on assets | 1.70% | 2.44% (stronger) |
| Loans ÷ deposits | 22.3% (stronger) | 79.8% |
| Uninsured deposits | 38.6% | 28.1% (stronger) |
| Offices | 1 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Stockmens National Bank in Cotulla has the higher TellerScore (79 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Stockmens National Bank in Cotulla leads on 5 and The First State Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.