Side-by-side · Q2 2026 data
The First Bank of Celeste vs Zavala County Bank
Metric by metric
| Measure | The First Bank of Celeste | Zavala County Bank |
|---|---|---|
| TellerScore | 75 | 93 (stronger) |
| Capital cushion | 34 | 100 (stronger) |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 74 | 80 (stronger) |
| Funding & liquidity | 99 (stronger) | 81 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 54th | 94th |
| Total assets | $83.9M | $79.0M |
| Deposits / shares | $76.3M | $69.5M |
| Capital ratio | 8.39% | 15.75% (stronger) |
| Problem loans | 0.00% (stronger) | 0.03% |
| Net charge-offs | 0.07% (stronger) | 0.09% |
| Return on assets | 1.35% | 1.51% (stronger) |
| Loans ÷ deposits | 39.9% | 8.9% (stronger) |
| Uninsured deposits | 16.5% (stronger) | 31.9% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Zavala County Bank has the higher TellerScore (93 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The First Bank of Celeste leads on 3 and Zavala County Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.