Side-by-side · Q2 2026 data
Dream First Bank, National Association vs The Western State Bank
Metric by metric
| Measure | Dream First Bank, National Association | The Western State Bank |
|---|---|---|
| TellerScore | 55 (stronger) | 49 |
| Capital cushion | 47 | 57 (stronger) |
| Loan quality | 38 (stronger) | 0 |
| Earnings | 63 | 77 (stronger) |
| Funding & liquidity | 79 (stronger) | 66 |
| Problem-loan coverage | 73 (stronger) | 66 |
| Peer percentile | 11th | 6th |
| Total assets | $963.7M | $802.1M |
| Deposits / shares | $850.4M | $717.2M |
| Capital ratio | 9.69% | 10.69% (stronger) |
| Problem loans | 1.86% (stronger) | 3.04% |
| Net charge-offs | 0.13% (stronger) | 1.32% |
| Return on assets | 1.07% | 1.43% (stronger) |
| Loans ÷ deposits | 76.9% | 72.4% (stronger) |
| Uninsured deposits | 18.7% (stronger) | 34.8% |
| Offices | 13 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Dream First Bank, National Association has the higher TellerScore (55 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Dream First Bank, National Association leads on 4 and The Western State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.