Side-by-side · Q2 2026 data
Legacy Bank vs The Western State Bank
Metric by metric
| Measure | Legacy Bank | The Western State Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 49 |
| Capital cushion | 56 | 57 (stronger) |
| Loan quality | 98 (stronger) | 0 |
| Earnings | 69 | 77 (stronger) |
| Funding & liquidity | 57 | 66 (stronger) |
| Problem-loan coverage | 99 (stronger) | 66 |
| Peer percentile | 57th | 6th |
| Total assets | $865.0M | $802.1M |
| Deposits / shares | $721.8M | $717.2M |
| Capital ratio | 10.55% | 10.69% (stronger) |
| Problem loans | 0.06% (stronger) | 3.04% |
| Net charge-offs | 0.01% (stronger) | 1.32% |
| Return on assets | 1.22% | 1.43% (stronger) |
| Loans ÷ deposits | 93.2% | 72.4% (stronger) |
| Uninsured deposits | 24.2% (stronger) | 34.8% |
| Offices | 10 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.8% | — |
Legacy Bank has the higher TellerScore (74 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Legacy Bank leads on 4 and The Western State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.