Side-by-side · Q2 2026 data
Texas Heritage National Bank vs The First State Bank
Metric by metric
| Measure | Texas Heritage National Bank | The First State Bank |
|---|---|---|
| TellerScore | 59 | 61 (stronger) |
| Capital cushion | 52 | 56 (stronger) |
| Loan quality | 58 (stronger) | 28 |
| Earnings | 77 | 100 (stronger) |
| Funding & liquidity | 34 | 66 (stronger) |
| Problem-loan coverage | 79 (stronger) | 68 |
| Peer percentile | 17th | 20th |
| Total assets | $936.4M | $895.2M |
| Deposits / shares | $811.9M | $806.8M |
| Capital ratio | 10.17% | 10.58% (stronger) |
| Problem loans | 1.27% (stronger) | 2.16% |
| Net charge-offs | 0.04% (stronger) | 0.12% |
| Return on assets | 1.42% | 2.44% (stronger) |
| Loans ÷ deposits | 97.7% | 79.8% (stronger) |
| Uninsured deposits | 40.5% | 28.1% (stronger) |
| Offices | 6 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.1% | — |
The First State Bank has the higher TellerScore (61 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Texas Heritage National Bank leads on 2 and The First State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.