Side-by-side · Q2 2026 data
First Option Bank vs The Western State Bank
Metric by metric
| Measure | First Option Bank | The Western State Bank |
|---|---|---|
| TellerScore | 68 (stronger) | 49 |
| Capital cushion | 32 | 57 (stronger) |
| Loan quality | 99 (stronger) | 0 |
| Earnings | 77 | 77 |
| Funding & liquidity | 60 | 66 (stronger) |
| Problem-loan coverage | 95 (stronger) | 66 |
| Peer percentile | 37th | 6th |
| Total assets | $817.6M | $802.1M |
| Deposits / shares | $722.1M | $717.2M |
| Capital ratio | 8.18% | 10.69% (stronger) |
| Problem loans | 0.02% (stronger) | 3.04% |
| Net charge-offs | 0.53% (stronger) | 1.32% |
| Return on assets | 1.44% (stronger) | 1.43% |
| Loans ÷ deposits | 66.8% (stronger) | 72.4% |
| Uninsured deposits | 44.8% | 34.8% (stronger) |
| Offices | 10 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.6% | — |
First Option Bank has the higher TellerScore (68 vs 49). On the 7 directional measures above (where higher or lower is clearly better), First Option Bank leads on 5 and The Western State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.