Texas State Bank vs Credit First National Assn
Side-by-side bank health comparison using FDIC financial data
Texas State Bank (A) and Credit First National Assn (A) are close on the BankHealth rubric. Asset bases: $402M versus $40M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Texas State Bank has a stronger Bank Health Score of 100/100 (A) compared to Credit First National Assn at 100/100 (A), a difference of 0 points. Texas State Bank holds a Tier 1 capital ratio of 19.41% and an NPL ratio of 0.00%.
| Metric | Texas State Bank | Credit First National Assn |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 100/100 (A) | 100/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 19.4% | 367.6%* |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0% | 0.0% |
| Liquidity Ratio Cash and liquid assets vs obligations | 34.9% | 93.1%* |
| Return on Assets Profitability metric (above 1% is strong) | 2.0% | 27.2%* |
| Total Assets | $402M | $40M |
| Total Deposits | $333M | $500K |
| Location | San Angelo, Texas | Brook Park, Ohio |
Texas State Bank has a stronger Bank Health Score of 100/100 (A) compared to Credit First National Assn at 100/100 (A), a difference of 0 points. Texas State Bank holds a Tier 1 capital ratio of 19.41% and an NPL ratio of 0.00%.