Side-by-side · Q2 2026 data
The First National Bank of Grayson vs First State Bank
Metric by metric
| Measure | The First National Bank of Grayson | First State Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 70 |
| Capital cushion | 80 (stronger) | 62 |
| Loan quality | 68 (stronger) | 56 |
| Earnings | 93 (stronger) | 89 |
| Funding & liquidity | 73 | 79 (stronger) |
| Problem-loan coverage | 89 (stronger) | 82 |
| Peer percentile | 75th | 43rd |
| Total assets | $371.9M | $402.0M |
| Deposits / shares | $325.5M | $354.3M |
| Capital ratio | 12.98% (stronger) | 11.23% |
| Problem loans | 0.96% (stronger) | 1.33% |
| Net charge-offs | 0.03% (stronger) | 0.03% |
| Return on assets | 1.84% (stronger) | 1.72% |
| Loans ÷ deposits | 72.9% (stronger) | 81.2% |
| Uninsured deposits | 27.4% | 14.3% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.0% | — |
The First National Bank of Grayson has the higher TellerScore (79 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Grayson leads on 6 and First State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.