Side-by-side · Q2 2026 data
Southwest Capital Bank vs Western Commerce Bank
Metric by metric
| Measure | Southwest Capital Bank | Western Commerce Bank |
|---|---|---|
| TellerScore | 61 (stronger) | 51 |
| Capital cushion | 58 (stronger) | 38 |
| Loan quality | 45 (stronger) | 23 |
| Earnings | 69 | 100 (stronger) |
| Funding & liquidity | 68 (stronger) | 46 |
| Problem-loan coverage | 84 (stronger) | 74 |
| Peer percentile | 20th | 8th |
| Total assets | $482.9M | $863.5M |
| Deposits / shares | $432.3M | $779.5M |
| Capital ratio | 10.82% (stronger) | 8.82% |
| Problem loans | 1.66% (stronger) | 2.30% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.23% | 3.21% (stronger) |
| Loans ÷ deposits | 55.2% (stronger) | 63.9% |
| Uninsured deposits | 43.9% (stronger) | 66.1% |
| Offices | 3 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.8% |
Southwest Capital Bank has the higher TellerScore (61 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Southwest Capital Bank leads on 5 and Western Commerce Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.