Side-by-side · Q2 2026 data
Texas Heritage National Bank vs Transpecos Banks, SSB
Metric by metric
| Measure | Texas Heritage National Bank | Transpecos Banks, SSB |
|---|---|---|
| TellerScore | 59 (stronger) | 14 |
| Capital cushion | 52 (stronger) | 17 |
| Loan quality | 58 (stronger) | 0 |
| Earnings | 77 (stronger) | 0 |
| Funding & liquidity | 34 | 58 (stronger) |
| Problem-loan coverage | 79 (stronger) | 0 |
| Peer percentile | 17th | 0th |
| Total assets | $936.4M | $972.1M |
| Deposits / shares | $811.9M | $872.0M |
| Capital ratio | 10.17% (stronger) | 6.67% |
| Problem loans | 1.27% (stronger) | 8.15% |
| Net charge-offs | 0.04% | -0.00% (stronger) |
| Return on assets | 1.42% (stronger) | -1.57% |
| Loans ÷ deposits | 97.7% | 74.9% (stronger) |
| Uninsured deposits | 40.5% | 39.8% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.1% | 14.3% |
Texas Heritage National Bank has the higher TellerScore (59 vs 14). On the 7 directional measures above (where higher or lower is clearly better), Texas Heritage National Bank leads on 4 and Transpecos Banks, SSB on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.