Side-by-side · Q2 2026 data
The First National Bank of Ballinger vs Texas State Bank
Metric by metric
| Measure | The First National Bank of Ballinger | Texas State Bank |
|---|---|---|
| TellerScore | 81 | 91 (stronger) |
| Capital cushion | 55 | 86 (stronger) |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 82 | 100 (stronger) |
| Funding & liquidity | 87 (stronger) | 69 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 80th | 96th |
| Total assets | $275.3M | $425.5M |
| Deposits / shares | $244.9M | $354.2M |
| Capital ratio | 10.52% | 13.58% (stronger) |
| Problem loans | 0.03% | 0.00% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.54% | 2.54% (stronger) |
| Loans ÷ deposits | 61.6% (stronger) | 78.6% |
| Uninsured deposits | 25.2% (stronger) | 26.7% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.5% |
Texas State Bank has the higher TellerScore (91 vs 81). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Ballinger leads on 2 and Texas State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.