Side-by-side · Q2 2026 data
West Texas State Bank vs Texas State Bank
Metric by metric
| Measure | West Texas State Bank | Texas State Bank |
|---|---|---|
| TellerScore | 60 | 91 (stronger) |
| Capital cushion | 55 | 86 (stronger) |
| Loan quality | 41 | 100 (stronger) |
| Earnings | 92 | 100 (stronger) |
| Funding & liquidity | 57 | 69 (stronger) |
| Problem-loan coverage | 65 | 100 (stronger) |
| Peer percentile | 19th | 96th |
| Total assets | $443.7M | $425.5M |
| Deposits / shares | $396.5M | $354.2M |
| Capital ratio | 10.49% | 13.58% (stronger) |
| Problem loans | 1.77% | 0.00% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.81% | 2.54% (stronger) |
| Loans ÷ deposits | 75.2% (stronger) | 78.6% |
| Uninsured deposits | 40.7% | 26.7% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.5% |
Texas State Bank has the higher TellerScore (91 vs 60). On the 7 directional measures above (where higher or lower is clearly better), West Texas State Bank leads on 1 and Texas State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.