Side-by-side · Q2 2026 data
The First National Bank of Hughes Springs vs Austin Bank, Texas National Association
Bank
The First National Bank of Hughes Springs
Hughes Springs, Texas · $100 million – $1 billion
Bank
Austin Bank, Texas National Association
Jacksonville, Texas · $1 billion – $10 billion
Metric by metric
| Measure | The First National Bank of Hughes Springs | Austin Bank, Texas National Association |
|---|---|---|
| TellerScore | 63 | 88 (stronger) |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 26 | 80 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 75 (stronger) | 60 |
| Problem-loan coverage | 74 | 94 (stronger) |
| Peer percentile | 24th | 98th |
| Total assets | $319.5M | $3.3B |
| Deposits / shares | $283.1M | $2.8B |
| Capital ratio | 11.04% | 15.12% (stronger) |
| Problem loans | 2.23% | 0.60% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.05% |
| Return on assets | 2.18% (stronger) | 2.08% |
| Loans ÷ deposits | 72.6% (stronger) | 88.0% |
| Uninsured deposits | 26.2% | 26.0% (stronger) |
| Offices | 16 | 38 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.4% |
Austin Bank, Texas National Association has the higher TellerScore (88 vs 63). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Hughes Springs leads on 3 and Austin Bank, Texas National Association on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Kilgore, TX
- Marshall, TX
- Troup, TX