Side-by-side · Q2 2026 data
First State Bank vs The Bank of the West
Metric by metric
| Measure | First State Bank | The Bank of the West |
|---|---|---|
| TellerScore | 82 (stronger) | 62 |
| Capital cushion | 82 (stronger) | 55 |
| Loan quality | 57 (stronger) | 26 |
| Earnings | 100 | 100 |
| Funding & liquidity | 94 (stronger) | 81 |
| Problem-loan coverage | 89 (stronger) | 73 |
| Peer percentile | 70th | 22nd |
| Total assets | $89.8M | $192.4M |
| Deposits / shares | $79.2M | $171.2M |
| Capital ratio | 13.18% (stronger) | 10.49% |
| Problem loans | 1.28% (stronger) | 2.22% |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 2.09% (stronger) | 2.05% |
| Loans ÷ deposits | 61.3% (stronger) | 77.5% |
| Uninsured deposits | 18.8% | 16.7% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (82 vs 62). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 5 and The Bank of the West on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.