Side-by-side · Q2 2026 data
VeraBank, National Association vs Texas Bank
Metric by metric
| Measure | VeraBank, National Association | Texas Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 70 |
| Capital cushion | 60 (stronger) | 56 |
| Loan quality | 68 | 85 (stronger) |
| Earnings | 84 (stronger) | 68 |
| Funding & liquidity | 76 (stronger) | 61 |
| Problem-loan coverage | 90 | 94 (stronger) |
| Peer percentile | 66th | 43rd |
| Total assets | $4.6B | $953.9M |
| Deposits / shares | $4.0B | $824.0M |
| Capital ratio | 11.03% (stronger) | 10.61% |
| Problem loans | 0.96% | 0.46% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.52% |
| Return on assets | 1.61% (stronger) | 1.20% |
| Loans ÷ deposits | 68.8% (stronger) | 83.9% |
| Uninsured deposits | 29.0% | 28.5% (stronger) |
| Offices | 42 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.1% |
VeraBank, National Association has the higher TellerScore (72 vs 70). On the 7 directional measures above (where higher or lower is clearly better), VeraBank, National Association leads on 5 and Texas Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Henderson, TX
- Longview, TX
- Tyler, TX
- Tatum, TX