Side-by-side · Q2 2026 data
First State Bank vs Western Bank
Metric by metric
| Measure | First State Bank | Western Bank |
|---|---|---|
| TellerScore | 53 | 71 (stronger) |
| Capital cushion | 76 (stronger) | 48 |
| Loan quality | 0 | 90 (stronger) |
| Earnings | 89 | 94 (stronger) |
| Funding & liquidity | 53 (stronger) | 48 |
| Problem-loan coverage | 49 | 80 (stronger) |
| Peer percentile | 9th | 47th |
| Total assets | $184.0M | $947.2M |
| Deposits / shares | $154.0M | $796.9M |
| Capital ratio | 12.57% (stronger) | 9.77% |
| Problem loans | 4.44% | 0.31% (stronger) |
| Net charge-offs | 0.14% | 0.00% (stronger) |
| Return on assets | 1.74% | 1.84% (stronger) |
| Loans ÷ deposits | 94.4% (stronger) | 95.8% |
| Uninsured deposits | 26.1% (stronger) | 29.7% |
| Offices | 2 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.1% |
Western Bank has the higher TellerScore (71 vs 53). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 3 and Western Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.