Side-by-side · Q2 2026 data
First Citizens State Bank vs Westbury Bank
Metric by metric
| Measure | First Citizens State Bank | Westbury Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 70 |
| Capital cushion | 100 (stronger) | 42 |
| Loan quality | 100 | 100 |
| Earnings | 94 (stronger) | 52 |
| Funding & liquidity | 40 | 77 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 95th | 43rd |
| Total assets | $525.2M | $771.9M |
| Deposits / shares | $355.3M | $698.0M |
| Capital ratio | 18.00% (stronger) | 9.20% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | -0.00% (stronger) | 0.03% |
| Return on assets | 1.85% (stronger) | 0.80% |
| Loans ÷ deposits | 109.2% | 77.9% (stronger) |
| Uninsured deposits | 25.1% | 19.4% (stronger) |
| Offices | 4 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.0% |
First Citizens State Bank has the higher TellerScore (90 vs 70). On the 6 directional measures above (where higher or lower is clearly better), First Citizens State Bank leads on 4 and Westbury Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.