Side-by-side · Q2 2026 data
Dairy State Bank vs Westbury Bank
Metric by metric
| Measure | Dairy State Bank | Westbury Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 70 |
| Capital cushion | 70 (stronger) | 42 |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 62 (stronger) | 52 |
| Funding & liquidity | 82 (stronger) | 77 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 77th | 43rd |
| Total assets | $730.3M | $771.9M |
| Deposits / shares | $630.4M | $698.0M |
| Capital ratio | 11.96% (stronger) | 9.20% |
| Problem loans | 0.06% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 1.04% (stronger) | 0.80% |
| Loans ÷ deposits | 62.4% (stronger) | 77.9% |
| Uninsured deposits | 28.8% | 19.4% (stronger) |
| Offices | 11 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.3% | 3.0% |
Dairy State Bank has the higher TellerScore (80 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Dairy State Bank leads on 5 and Westbury Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.