Side-by-side · Q2 2026 data
Trinity Capital Bank of Texas vs West Texas State Bank
Metric by metric
| Measure | Trinity Capital Bank of Texas | West Texas State Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 60 |
| Capital cushion | 46 | 55 (stronger) |
| Loan quality | 89 (stronger) | 41 |
| Earnings | 86 | 92 (stronger) |
| Funding & liquidity | 45 | 57 (stronger) |
| Problem-loan coverage | 94 (stronger) | 65 |
| Peer percentile | 40th | 19th |
| Total assets | $456.6M | $443.7M |
| Deposits / shares | $355.1M | $396.5M |
| Capital ratio | 9.56% | 10.49% (stronger) |
| Problem loans | 0.33% (stronger) | 1.77% |
| Net charge-offs | -0.03% (stronger) | 0.03% |
| Return on assets | 1.64% | 1.81% (stronger) |
| Loans ÷ deposits | 100.0% | 75.2% (stronger) |
| Uninsured deposits | 29.1% (stronger) | 40.7% |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 30.7% | — |
Trinity Capital Bank of Texas has the higher TellerScore (69 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Trinity Capital Bank of Texas leads on 4 and West Texas State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.