Side-by-side · Q2 2026 data
VeraBank, National Association vs Texas Bank and Trust Company
Metric by metric
| Measure | VeraBank, National Association | Texas Bank and Trust Company |
|---|---|---|
| TellerScore | 72 | 75 (stronger) |
| Capital cushion | 60 | 81 (stronger) |
| Loan quality | 68 | 80 (stronger) |
| Earnings | 84 (stronger) | 81 |
| Funding & liquidity | 76 (stronger) | 34 |
| Problem-loan coverage | 90 | 93 (stronger) |
| Peer percentile | 66th | 77th |
| Total assets | $4.6B | $4.3B |
| Deposits / shares | $4.0B | $3.8B |
| Capital ratio | 11.03% | 13.10% (stronger) |
| Problem loans | 0.96% | 0.61% (stronger) |
| Net charge-offs | 0.10% | 0.01% (stronger) |
| Return on assets | 1.61% (stronger) | 1.54% |
| Loans ÷ deposits | 68.8% (stronger) | 90.4% |
| Uninsured deposits | 29.0% (stronger) | 47.3% |
| Offices | 42 | 20 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Texas Bank and Trust Company has the higher TellerScore (75 vs 72). On the 7 directional measures above (where higher or lower is clearly better), VeraBank, National Association leads on 3 and Texas Bank and Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.