Side-by-side · Q2 2026 data
First State Bank & Trust vs Western Cooperative
Metric by metric
| Measure | First State Bank & Trust | Western Cooperative |
|---|---|---|
| TellerScore | 94 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 92 |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 91 (stronger) | 71 |
| Funding & liquidity | 73 | 95 (stronger) |
| Problem-loan coverage | 100 (stronger) | 80 |
| Peer percentile | 98th | 31st |
| Total assets | $542.6M | $522.2M |
| Deposits / shares | $466.0M | $452.5M |
| Capital ratio | 15.38% (stronger) | 14.20% |
| Problem loans | 0.00% (stronger) | 3.17% |
| Net charge-offs | 0.06% | 0.05% (stronger) |
| Return on assets | 1.76% (stronger) | 1.27% |
| Loans ÷ deposits | 44.7% (stronger) | 52.6% |
| Uninsured deposits | 39.6% | 19.6% (stronger) |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank & Trust has the higher TellerScore (94 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First State Bank & Trust leads on 5 and Western Cooperative on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.