Side-by-side · Q2 2026 data
VeraBank, National Association vs First State Bank and Trust Company
Metric by metric
| Measure | VeraBank, National Association | First State Bank and Trust Company |
|---|---|---|
| TellerScore | 72 (stronger) | 65 |
| Capital cushion | 60 | 90 (stronger) |
| Loan quality | 68 (stronger) | 35 |
| Earnings | 84 (stronger) | 59 |
| Funding & liquidity | 76 (stronger) | 60 |
| Problem-loan coverage | 90 (stronger) | 87 |
| Peer percentile | 66th | 29th |
| Total assets | $4.6B | $547.4M |
| Deposits / shares | $4.0B | $490.6M |
| Capital ratio | 11.03% | 14.00% (stronger) |
| Problem loans | 0.96% (stronger) | 1.96% |
| Net charge-offs | 0.10% (stronger) | 0.19% |
| Return on assets | 1.61% (stronger) | 0.97% |
| Loans ÷ deposits | 68.8% | 36.5% (stronger) |
| Uninsured deposits | 29.0% (stronger) | 51.4% |
| Offices | 42 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
VeraBank, National Association has the higher TellerScore (72 vs 65). On the 7 directional measures above (where higher or lower is clearly better), VeraBank, National Association leads on 5 and First State Bank and Trust Company on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Carthage, TX