Side-by-side · Q2 2026 data
TXN Bank vs First Community Bank
Metric by metric
| Measure | TXN Bank | First Community Bank |
|---|---|---|
| TellerScore | 64 | 74 (stronger) |
| Capital cushion | 47 | 74 (stronger) |
| Loan quality | 67 | 78 (stronger) |
| Earnings | 60 | 68 (stronger) |
| Funding & liquidity | 83 (stronger) | 64 |
| Problem-loan coverage | 88 | 92 (stronger) |
| Peer percentile | 26th | 57th |
| Total assets | $669.2M | $662.8M |
| Deposits / shares | $613.0M | $582.2M |
| Capital ratio | 9.68% | 12.44% (stronger) |
| Problem loans | 0.98% | 0.67% (stronger) |
| Net charge-offs | 0.06% | -0.01% (stronger) |
| Return on assets | 0.99% | 1.20% (stronger) |
| Loans ÷ deposits | 54.0% (stronger) | 76.9% |
| Uninsured deposits | 31.0% (stronger) | 32.5% |
| Offices | 7 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.4% | 3.2% |
First Community Bank has the higher TellerScore (74 vs 64). On the 7 directional measures above (where higher or lower is clearly better), TXN Bank leads on 2 and First Community Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.