Side-by-side · Q2 2026 data
West Texas National Bank vs TIB National Association
Metric by metric
| Measure | West Texas National Bank | TIB National Association |
|---|---|---|
| TellerScore | 60 | 76 (stronger) |
| Capital cushion | 55 | 82 (stronger) |
| Loan quality | 44 | 72 (stronger) |
| Earnings | 84 | 94 (stronger) |
| Funding & liquidity | 50 (stronger) | 36 |
| Problem-loan coverage | 81 | 93 (stronger) |
| Peer percentile | 21st | 80th |
| Total assets | $2.9B | $3.0B |
| Deposits / shares | $2.6B | $2.4B |
| Capital ratio | 10.52% | 13.22% (stronger) |
| Problem loans | 1.67% | 0.84% (stronger) |
| Net charge-offs | 0.86% | 0.26% (stronger) |
| Return on assets | 1.59% | 1.85% (stronger) |
| Loans ÷ deposits | 57.4% (stronger) | 74.3% |
| Uninsured deposits | 64.1% (stronger) | 91.5% |
| Offices | 13 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.5% | 29.5% |
TIB National Association has the higher TellerScore (76 vs 60). On the 7 directional measures above (where higher or lower is clearly better), West Texas National Bank leads on 2 and TIB National Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.