Side-by-side · Q2 2026 data
The First National Bank of East Texas vs Gulf Capital Bank
Metric by metric
| Measure | The First National Bank of East Texas | Gulf Capital Bank |
|---|---|---|
| TellerScore | 60 | 71 (stronger) |
| Capital cushion | 50 | 88 (stronger) |
| Loan quality | 47 | 78 (stronger) |
| Earnings | 78 (stronger) | 48 |
| Funding & liquidity | 64 (stronger) | 43 |
| Problem-loan coverage | 77 | 94 (stronger) |
| Peer percentile | 19th | 47th |
| Total assets | $594.8M | $596.5M |
| Deposits / shares | $536.7M | $497.3M |
| Capital ratio | 9.96% | 13.78% (stronger) |
| Problem loans | 1.58% | 0.65% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.45% (stronger) | 0.71% |
| Loans ÷ deposits | 76.5% | 74.8% (stronger) |
| Uninsured deposits | 32.9% (stronger) | 52.8% |
| Offices | 12 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.4% | — |
Gulf Capital Bank has the higher TellerScore (71 vs 60). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of East Texas leads on 3 and Gulf Capital Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.