Side-by-side · Q2 2026 data
Gate City Bank vs Western Cooperative
Metric by metric
| Measure | Gate City Bank | Western Cooperative |
|---|---|---|
| TellerScore | 65 (stronger) | 64 |
| Capital cushion | 48 | 92 (stronger) |
| Loan quality | 77 (stronger) | 0 |
| Earnings | 54 | 71 (stronger) |
| Funding & liquidity | 78 | 95 (stronger) |
| Problem-loan coverage | 89 (stronger) | 80 |
| Peer percentile | 36th | 31st |
| Total assets | $4.0B | $522.2M |
| Deposits / shares | $3.6B | $452.5M |
| Capital ratio | 9.85% | 14.20% (stronger) |
| Problem loans | 0.69% (stronger) | 3.17% |
| Net charge-offs | 0.16% | 0.05% (stronger) |
| Return on assets | 0.85% | 1.27% (stronger) |
| Loans ÷ deposits | 82.5% | 52.6% (stronger) |
| Uninsured deposits | 10.9% (stronger) | 19.6% |
| Offices | 45 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gate City Bank has the higher TellerScore (65 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Gate City Bank leads on 3 and Western Cooperative 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.