Side-by-side · Q2 2026 data
The Bank and Trust, S.S.B. vs Texas Community Bank
Metric by metric
| Measure | The Bank and Trust, S.S.B. | Texas Community Bank |
|---|---|---|
| TellerScore | 77 | 84 (stronger) |
| Capital cushion | 50 | 78 (stronger) |
| Loan quality | 98 (stronger) | 93 |
| Earnings | 82 | 100 (stronger) |
| Funding & liquidity | 75 (stronger) | 50 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 68th | 95th |
| Total assets | $583.8M | $2.2B |
| Deposits / shares | $529.3M | $1.9B |
| Capital ratio | 9.96% | 12.78% (stronger) |
| Problem loans | 0.05% (stronger) | 0.20% |
| Net charge-offs | 0.02% (stronger) | 0.05% |
| Return on assets | 1.56% | 2.03% (stronger) |
| Loans ÷ deposits | 74.3% | 58.6% (stronger) |
| Uninsured deposits | 24.9% (stronger) | 63.9% |
| Offices | 7 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.4% | 7.9% |
Texas Community Bank has the higher TellerScore (84 vs 77). On the 7 directional measures above (where higher or lower is clearly better), The Bank and Trust, S.S.B. leads on 3 and Texas Community Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.