Side-by-side · Q2 2026 data
VeraBank, National Association vs First National Bank Texas
Metric by metric
| Measure | VeraBank, National Association | First National Bank Texas |
|---|---|---|
| TellerScore | 72 (stronger) | 64 |
| Capital cushion | 60 (stronger) | 41 |
| Loan quality | 68 (stronger) | 59 |
| Earnings | 84 (stronger) | 69 |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 90 (stronger) | 83 |
| Peer percentile | 66th | 33rd |
| Total assets | $4.6B | $4.6B |
| Deposits / shares | $4.0B | $4.1B |
| Capital ratio | 11.03% (stronger) | 9.12% |
| Problem loans | 0.96% (stronger) | 1.23% |
| Net charge-offs | 0.10% (stronger) | 0.84% |
| Return on assets | 1.61% (stronger) | 1.21% |
| Loans ÷ deposits | 68.8% | 55.1% (stronger) |
| Uninsured deposits | 29.0% | 8.5% (stronger) |
| Offices | 42 | 355 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.8% |
VeraBank, National Association has the higher TellerScore (72 vs 64). On the 7 directional measures above (where higher or lower is clearly better), VeraBank, National Association leads on 5 and First National Bank Texas on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.