Side-by-side · Q2 2026 data
KCB Bank vs The Western State Bank
Metric by metric
| Measure | KCB Bank | The Western State Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 49 |
| Capital cushion | 76 (stronger) | 57 |
| Loan quality | 62 (stronger) | 0 |
| Earnings | 71 | 77 (stronger) |
| Funding & liquidity | 80 (stronger) | 66 |
| Problem-loan coverage | 86 (stronger) | 66 |
| Peer percentile | 53rd | 6th |
| Total assets | $322.3M | $802.1M |
| Deposits / shares | $283.5M | $717.2M |
| Capital ratio | 12.62% (stronger) | 10.69% |
| Problem loans | 1.15% (stronger) | 3.04% |
| Net charge-offs | -0.00% (stronger) | 1.32% |
| Return on assets | 1.27% | 1.43% (stronger) |
| Loans ÷ deposits | 68.2% (stronger) | 72.4% |
| Uninsured deposits | 26.4% (stronger) | 34.8% |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
KCB Bank has the higher TellerScore (73 vs 49). On the 7 directional measures above (where higher or lower is clearly better), KCB Bank leads on 6 and The Western State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.