Side-by-side · Q2 2026 data
The Bank of San Jacinto County, Coldspring, Texas vs Houston Bank & Trust
Bank
The Bank of San Jacinto County, Coldspring, Texas
Coldspring, Texas · Under $100 million in assets
Metric by metric
| Measure | The Bank of San Jacinto County, Coldspring, Texas | Houston Bank & Trust |
|---|---|---|
| TellerScore | 97 (stronger) | 73 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 | 100 |
| Earnings | 85 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 50 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 98th | 48th |
| Total assets | $42.0M | $38.5M |
| Deposits / shares | $35.3M | $2.6M |
| Capital ratio | 17.77% | 93.01% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.61% (stronger) | -53.11% |
| Loans ÷ deposits | 34.5% | 23.6% (stronger) |
| Uninsured deposits | 10.9% (stronger) | 79.8% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Bank of San Jacinto County, Coldspring, Texas has the higher TellerScore (97 vs 73). On the 5 directional measures above (where higher or lower is clearly better), The Bank of San Jacinto County, Coldspring, Texas leads on 3 and Houston Bank & Trust on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.