Side-by-side · Q2 2026 data
The First State Bank of Healy vs The Western State Bank
Metric by metric
| Measure | The First State Bank of Healy | The Western State Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 49 |
| Capital cushion | 100 (stronger) | 57 |
| Loan quality | 70 (stronger) | 0 |
| Earnings | 74 | 77 (stronger) |
| Funding & liquidity | 70 (stronger) | 66 |
| Problem-loan coverage | 92 (stronger) | 66 |
| Peer percentile | 82nd | 6th |
| Total assets | $108.8M | $802.1M |
| Deposits / shares | $86.5M | $717.2M |
| Capital ratio | 16.77% (stronger) | 10.69% |
| Problem loans | 0.89% (stronger) | 3.04% |
| Net charge-offs | 0.00% (stronger) | 1.32% |
| Return on assets | 1.36% | 1.43% (stronger) |
| Loans ÷ deposits | 75.4% | 72.4% (stronger) |
| Uninsured deposits | 28.3% (stronger) | 34.8% |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First State Bank of Healy has the higher TellerScore (82 vs 49). On the 7 directional measures above (where higher or lower is clearly better), The First State Bank of Healy leads on 5 and The Western State Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.