Side-by-side · Q2 2026 data
The First National Bank of Mertzon vs Texas State Bank
Metric by metric
| Measure | The First National Bank of Mertzon | Texas State Bank |
|---|---|---|
| TellerScore | 90 | 91 (stronger) |
| Capital cushion | 100 (stronger) | 86 |
| Loan quality | 100 | 100 |
| Earnings | 89 | 100 (stronger) |
| Funding & liquidity | 50 | 69 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 95th | 96th |
| Total assets | $500.3M | $425.5M |
| Deposits / shares | $420.2M | $354.2M |
| Capital ratio | 15.75% (stronger) | 13.58% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.72% | 2.54% (stronger) |
| Loans ÷ deposits | 21.3% (stronger) | 78.6% |
| Uninsured deposits | 61.7% | 26.7% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.5% |
Texas State Bank has the higher TellerScore (91 vs 90). On the 6 directional measures above (where higher or lower is clearly better), The First National Bank of Mertzon leads on 3 and Texas State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.