Side-by-side · Q2 2026 data
The First National Bank of Ballinger vs First State Bank
Metric by metric
| Measure | The First National Bank of Ballinger | First State Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 78 |
| Capital cushion | 55 | 91 (stronger) |
| Loan quality | 99 (stronger) | 37 |
| Earnings | 82 | 100 (stronger) |
| Funding & liquidity | 87 (stronger) | 85 |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 80th | 72nd |
| Total assets | $275.3M | $174.3M |
| Deposits / shares | $244.9M | $148.1M |
| Capital ratio | 10.52% | 14.14% (stronger) |
| Problem loans | 0.03% (stronger) | 1.90% |
| Net charge-offs | 0.02% (stronger) | 1.04% |
| Return on assets | 1.54% | 2.06% (stronger) |
| Loans ÷ deposits | 61.6% | 38.8% (stronger) |
| Uninsured deposits | 25.2% (stronger) | 28.8% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Ballinger has the higher TellerScore (81 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Ballinger leads on 4 and First State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.