Side-by-side · Q2 2026 data
Trinity Capital Bank of Texas vs First State Bank
Metric by metric
| Measure | Trinity Capital Bank of Texas | First State Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 62 |
| Capital cushion | 46 (stronger) | 45 |
| Loan quality | 89 (stronger) | 54 |
| Earnings | 86 | 99 (stronger) |
| Funding & liquidity | 45 | 55 (stronger) |
| Problem-loan coverage | 94 (stronger) | 74 |
| Peer percentile | 40th | 22nd |
| Total assets | $456.6M | $478.1M |
| Deposits / shares | $355.1M | $429.1M |
| Capital ratio | 9.56% (stronger) | 9.48% |
| Problem loans | 0.33% (stronger) | 1.38% |
| Net charge-offs | -0.03% (stronger) | 0.09% |
| Return on assets | 1.64% | 1.98% (stronger) |
| Loans ÷ deposits | 100.0% | 81.5% (stronger) |
| Uninsured deposits | 29.1% (stronger) | 36.2% |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 30.7% | 5.3% |
Trinity Capital Bank of Texas has the higher TellerScore (69 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Trinity Capital Bank of Texas leads on 5 and First State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.