Side-by-side · Q2 2026 data
The Seiling State Bank vs The Bank of the West
Metric by metric
| Measure | The Seiling State Bank | The Bank of the West |
|---|---|---|
| TellerScore | 79 (stronger) | 62 |
| Capital cushion | 55 | 55 |
| Loan quality | 100 (stronger) | 26 |
| Earnings | 84 | 100 (stronger) |
| Funding & liquidity | 68 | 81 (stronger) |
| Problem-loan coverage | 100 (stronger) | 73 |
| Peer percentile | 75th | 22nd |
| Total assets | $195.0M | $192.4M |
| Deposits / shares | $175.2M | $171.2M |
| Capital ratio | 10.54% (stronger) | 10.49% |
| Problem loans | 0.00% (stronger) | 2.22% |
| Net charge-offs | -0.60% (stronger) | -0.01% |
| Return on assets | 1.60% | 2.05% (stronger) |
| Loans ÷ deposits | 78.3% | 77.5% (stronger) |
| Uninsured deposits | 27.7% | 16.7% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Seiling State Bank has the higher TellerScore (79 vs 62). On the 7 directional measures above (where higher or lower is clearly better), The Seiling State Bank leads on 4 and The Bank of the West on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.