Side-by-side · Q2 2026 data
TIB National Association vs Lone Star National Bank
Metric by metric
| Measure | TIB National Association | Lone Star National Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 72 |
| Capital cushion | 82 (stronger) | 79 |
| Loan quality | 72 (stronger) | 65 |
| Earnings | 94 (stronger) | 78 |
| Funding & liquidity | 36 | 51 (stronger) |
| Problem-loan coverage | 93 (stronger) | 91 |
| Peer percentile | 80th | 66th |
| Total assets | $3.0B | $3.3B |
| Deposits / shares | $2.4B | $2.9B |
| Capital ratio | 13.22% (stronger) | 12.87% |
| Problem loans | 0.84% (stronger) | 1.06% |
| Net charge-offs | 0.26% | 0.02% (stronger) |
| Return on assets | 1.85% (stronger) | 1.44% |
| Loans ÷ deposits | 74.3% | 60.7% (stronger) |
| Uninsured deposits | 91.5% | 58.8% (stronger) |
| Offices | 5 | 36 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 29.5% | 23.3% |
TIB National Association has the higher TellerScore (76 vs 72). On the 7 directional measures above (where higher or lower is clearly better), TIB National Association leads on 4 and Lone Star National Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.