Side-by-side · Q2 2026 data
The First National Bank of Mertzon vs Texas Republic Bank, National Association
Metric by metric
| Measure | The First National Bank of Mertzon | Texas Republic Bank, National Association |
|---|---|---|
| TellerScore | 90 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 83 |
| Loan quality | 100 (stronger) | 65 |
| Earnings | 89 | 91 (stronger) |
| Funding & liquidity | 50 (stronger) | 24 |
| Problem-loan coverage | 100 (stronger) | 85 |
| Peer percentile | 95th | 47th |
| Total assets | $500.3M | $510.6M |
| Deposits / shares | $420.2M | $389.2M |
| Capital ratio | 15.75% (stronger) | 13.35% |
| Problem loans | 0.00% (stronger) | 1.06% |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | 1.72% | 1.78% (stronger) |
| Loans ÷ deposits | 21.3% (stronger) | 112.2% |
| Uninsured deposits | 61.7% | 38.8% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
The First National Bank of Mertzon has the higher TellerScore (90 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Mertzon leads on 4 and Texas Republic Bank, National Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.