Side-by-side · Q2 2026 data
Northwestern Bank, National Association vs Vergas State Bank
Metric by metric
| Measure | Northwestern Bank, National Association | Vergas State Bank |
|---|---|---|
| TellerScore | 70 | 93 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 59 | 95 (stronger) |
| Earnings | 94 (stronger) | 75 |
| Funding & liquidity | 65 | 93 (stronger) |
| Problem-loan coverage | 85 | 99 (stronger) |
| Peer percentile | 43rd | 94th |
| Total assets | $164.7M | $60.7M |
| Deposits / shares | $143.7M | $51.5M |
| Capital ratio | 11.15% | 15.27% (stronger) |
| Problem loans | 1.23% | 0.16% (stronger) |
| Net charge-offs | 0.19% | 0.00% (stronger) |
| Return on assets | 1.85% (stronger) | 1.37% |
| Loans ÷ deposits | 86.6% | 67.3% (stronger) |
| Uninsured deposits | 22.7% | 13.3% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | — |
Vergas State Bank has the higher TellerScore (93 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Northwestern Bank, National Association leads on 1 and Vergas State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.