Side-by-side · Q2 2026 data
Dayspring Bank vs West Gate Bank
Metric by metric
| Measure | Dayspring Bank | West Gate Bank |
|---|---|---|
| TellerScore | 58 | 72 (stronger) |
| Capital cushion | 57 (stronger) | 54 |
| Loan quality | 42 | 92 (stronger) |
| Earnings | 62 (stronger) | 59 |
| Funding & liquidity | 68 | 77 (stronger) |
| Problem-loan coverage | 77 | 97 (stronger) |
| Peer percentile | 17th | 66th |
| Total assets | $1.2B | $1.5B |
| Deposits / shares | $927.6M | $1.3B |
| Capital ratio | 10.71% (stronger) | 10.38% |
| Problem loans | 1.73% | 0.25% (stronger) |
| Net charge-offs | -0.04% (stronger) | 0.00% |
| Return on assets | 1.06% (stronger) | 0.97% |
| Loans ÷ deposits | 92.1% | 83.0% (stronger) |
| Uninsured deposits | 14.3% (stronger) | 15.6% |
| Offices | 6 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | 4.8% |
West Gate Bank has the higher TellerScore (72 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Dayspring Bank leads on 4 and West Gate Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.