Side-by-side · Q2 2026 data
Texas Champion Bank vs First State Bank of Odem
Metric by metric
| Measure | Texas Champion Bank | First State Bank of Odem |
|---|---|---|
| TellerScore | 64 | 95 (stronger) |
| Capital cushion | 55 | 94 (stronger) |
| Loan quality | 87 | 100 (stronger) |
| Earnings | 56 | 100 (stronger) |
| Funding & liquidity | 40 | 79 (stronger) |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 26th | 99th |
| Total assets | $436.6M | $212.6M |
| Deposits / shares | $329.2M | $181.0M |
| Capital ratio | 10.48% | 14.39% (stronger) |
| Problem loans | 0.39% | 0.00% (stronger) |
| Net charge-offs | 0.01% | -0.72% (stronger) |
| Return on assets | 0.90% | 2.40% (stronger) |
| Loans ÷ deposits | 104.2% | 57.0% (stronger) |
| Uninsured deposits | 30.0% (stronger) | 34.2% |
| Offices | 10 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of Odem has the higher TellerScore (95 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Texas Champion Bank leads on 1 and First State Bank of Odem on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.