Side-by-side · Q2 2026 data
FNB Bank vs The Western State Bank
Metric by metric
| Measure | FNB Bank | The Western State Bank |
|---|---|---|
| TellerScore | 45 | 49 (stronger) |
| Capital cushion | 52 | 57 (stronger) |
| Loan quality | 0 | 0 |
| Earnings | 71 | 77 (stronger) |
| Funding & liquidity | 73 (stronger) | 66 |
| Problem-loan coverage | 46 | 66 (stronger) |
| Peer percentile | 4th | 6th |
| Total assets | $270.3M | $802.1M |
| Deposits / shares | $235.0M | $717.2M |
| Capital ratio | 10.21% | 10.69% (stronger) |
| Problem loans | 4.03% | 3.04% (stronger) |
| Net charge-offs | 0.06% (stronger) | 1.32% |
| Return on assets | 1.28% | 1.43% (stronger) |
| Loans ÷ deposits | 75.5% | 72.4% (stronger) |
| Uninsured deposits | 25.5% (stronger) | 34.8% |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Western State Bank has the higher TellerScore (49 vs 45). On the 7 directional measures above (where higher or lower is clearly better), FNB Bank leads on 2 and The Western State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Goodland, KS