Side-by-side · Q2 2026 data
VeraBank, National Association vs The American National Bank of Texas
Metric by metric
| Measure | VeraBank, National Association | The American National Bank of Texas |
|---|---|---|
| TellerScore | 72 (stronger) | 61 |
| Capital cushion | 60 (stronger) | 38 |
| Loan quality | 68 | 92 (stronger) |
| Earnings | 84 (stronger) | 45 |
| Funding & liquidity | 76 (stronger) | 55 |
| Problem-loan coverage | 90 | 96 (stronger) |
| Peer percentile | 66th | 24th |
| Total assets | $4.6B | $5.5B |
| Deposits / shares | $4.0B | $4.6B |
| Capital ratio | 11.03% (stronger) | 8.84% |
| Problem loans | 0.96% | 0.23% (stronger) |
| Net charge-offs | 0.10% | 0.03% (stronger) |
| Return on assets | 1.61% (stronger) | 0.63% |
| Loans ÷ deposits | 68.8% (stronger) | 73.0% |
| Uninsured deposits | 29.0% (stronger) | 43.9% |
| Offices | 42 | 28 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.4% |
VeraBank, National Association has the higher TellerScore (72 vs 61). On the 7 directional measures above (where higher or lower is clearly better), VeraBank, National Association leads on 5 and The American National Bank of Texas on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.