Side-by-side · Q2 2026 data
VeraBank, National Association vs Austin Bank, Texas National Association
Bank
Austin Bank, Texas National Association
Jacksonville, Texas · $1 billion – $10 billion
Metric by metric
| Measure | VeraBank, National Association | Austin Bank, Texas National Association |
|---|---|---|
| TellerScore | 72 | 88 (stronger) |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 68 | 80 (stronger) |
| Earnings | 84 | 100 (stronger) |
| Funding & liquidity | 76 (stronger) | 60 |
| Problem-loan coverage | 90 | 94 (stronger) |
| Peer percentile | 66th | 98th |
| Total assets | $4.6B | $3.3B |
| Deposits / shares | $4.0B | $2.8B |
| Capital ratio | 11.03% | 15.12% (stronger) |
| Problem loans | 0.96% | 0.60% (stronger) |
| Net charge-offs | 0.10% | 0.05% (stronger) |
| Return on assets | 1.61% | 2.08% (stronger) |
| Loans ÷ deposits | 68.8% (stronger) | 88.0% |
| Uninsured deposits | 29.0% | 26.0% (stronger) |
| Offices | 42 | 38 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.4% |
Austin Bank, Texas National Association has the higher TellerScore (88 vs 72). On the 7 directional measures above (where higher or lower is clearly better), VeraBank, National Association leads on 1 and Austin Bank, Texas National Association on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.