Side-by-side · Q2 2026 data
VeraBank, National Association vs First State Bank
Metric by metric
| Measure | VeraBank, National Association | First State Bank |
|---|---|---|
| TellerScore | 72 | 74 (stronger) |
| Capital cushion | 60 | 64 (stronger) |
| Loan quality | 68 | 73 (stronger) |
| Earnings | 84 | 86 (stronger) |
| Funding & liquidity | 76 (stronger) | 67 |
| Problem-loan coverage | 90 | 91 (stronger) |
| Peer percentile | 66th | 57th |
| Total assets | $4.6B | $761.7M |
| Deposits / shares | $4.0B | $669.5M |
| Capital ratio | 11.03% | 11.44% (stronger) |
| Problem loans | 0.96% | 0.80% (stronger) |
| Net charge-offs | 0.10% | 0.03% (stronger) |
| Return on assets | 1.61% | 1.65% (stronger) |
| Loans ÷ deposits | 68.8% (stronger) | 70.7% |
| Uninsured deposits | 29.0% (stronger) | 35.3% |
| Offices | 42 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.5% |
First State Bank has the higher TellerScore (74 vs 72). On the 7 directional measures above (where higher or lower is clearly better), VeraBank, National Association leads on 2 and First State Bank on 5. 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
- Athens, TX
- Corsicana, TX
- Malakoff, TX