Side-by-side · Q2 2026 data
ValueBank Texas vs Llano National Bank
Metric by metric
| Measure | ValueBank Texas | Llano National Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 80 |
| Capital cushion | 75 | 81 (stronger) |
| Loan quality | 100 (stronger) | 85 |
| Earnings | 72 (stronger) | 61 |
| Funding & liquidity | 88 (stronger) | 84 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 88th | 77th |
| Total assets | $303.6M | $301.1M |
| Deposits / shares | $263.0M | $265.9M |
| Capital ratio | 12.54% | 13.11% (stronger) |
| Problem loans | 0.00% (stronger) | 0.45% |
| Net charge-offs | 0.00% (stronger) | 0.20% |
| Return on assets | 1.29% (stronger) | 1.02% |
| Loans ÷ deposits | 62.6% (stronger) | 64.0% |
| Uninsured deposits | 24.1% (stronger) | 26.1% |
| Offices | 9 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.1% | — |
ValueBank Texas has the higher TellerScore (85 vs 80). On the 7 directional measures above (where higher or lower is clearly better), ValueBank Texas leads on 6 and Llano National Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.