Side-by-side · Q2 2026 data
ValueBank Texas vs First Community Bank
Metric by metric
| Measure | ValueBank Texas | First Community Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 74 |
| Capital cushion | 75 (stronger) | 74 |
| Loan quality | 100 (stronger) | 78 |
| Earnings | 72 (stronger) | 68 |
| Funding & liquidity | 88 (stronger) | 64 |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 88th | 57th |
| Total assets | $303.6M | $662.8M |
| Deposits / shares | $263.0M | $582.2M |
| Capital ratio | 12.54% (stronger) | 12.44% |
| Problem loans | 0.00% (stronger) | 0.67% |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 1.29% (stronger) | 1.20% |
| Loans ÷ deposits | 62.6% (stronger) | 76.9% |
| Uninsured deposits | 24.1% (stronger) | 32.5% |
| Offices | 9 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.1% | 3.2% |
ValueBank Texas has the higher TellerScore (85 vs 74). On the 7 directional measures above (where higher or lower is clearly better), ValueBank Texas leads on 6 and First Community Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.