Side-by-side · Q2 2026 data
VeraBank, National Association vs Texas Exchange Bank
Metric by metric
| Measure | VeraBank, National Association | Texas Exchange Bank |
|---|---|---|
| TellerScore | 72 | 80 (stronger) |
| Capital cushion | 60 | 74 (stronger) |
| Loan quality | 68 | 100 (stronger) |
| Earnings | 84 (stronger) | 37 |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 66th | 90th |
| Total assets | $4.6B | $4.5B |
| Deposits / shares | $4.0B | $2.6B |
| Capital ratio | 11.03% | 12.44% (stronger) |
| Problem loans | 0.96% | 0.00% (stronger) |
| Net charge-offs | 0.10% | -0.00% (stronger) |
| Return on assets | 1.61% (stronger) | 0.43% |
| Loans ÷ deposits | 68.8% | 25.9% (stronger) |
| Uninsured deposits | 29.0% | 1.3% (stronger) |
| Offices | 42 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Texas Exchange Bank has the higher TellerScore (80 vs 72). On the 7 directional measures above (where higher or lower is clearly better), VeraBank, National Association leads on 1 and Texas Exchange Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.