Side-by-side · Q2 2026 data
State Bank of Fairmont vs Welcome State Bank
Metric by metric
| Measure | State Bank of Fairmont | Welcome State Bank |
|---|---|---|
| TellerScore | 61 | 90 (stronger) |
| Capital cushion | 54 | 78 (stronger) |
| Loan quality | 32 | 100 (stronger) |
| Earnings | 89 | 100 (stronger) |
| Funding & liquidity | 76 | 80 (stronger) |
| Problem-loan coverage | 74 | 100 (stronger) |
| Peer percentile | 20th | 89th |
| Total assets | $154.2M | $44.3M |
| Deposits / shares | $139.1M | $38.1M |
| Capital ratio | 10.40% | 12.81% (stronger) |
| Problem loans | 2.03% | 0.00% (stronger) |
| Net charge-offs | 0.27% | -0.05% (stronger) |
| Return on assets | 1.74% | 2.94% (stronger) |
| Loans ÷ deposits | 75.1% (stronger) | 79.0% |
| Uninsured deposits | 23.5% | 16.1% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Welcome State Bank has the higher TellerScore (90 vs 61). On the 7 directional measures above (where higher or lower is clearly better), State Bank of Fairmont leads on 1 and Welcome State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.