Side-by-side · Q2 2026 data
The State Bank of Pearl City vs Washington State Bank
Metric by metric
| Measure | The State Bank of Pearl City | Washington State Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 61 |
| Capital cushion | 63 (stronger) | 41 |
| Loan quality | 77 (stronger) | 66 |
| Earnings | 48 | 50 (stronger) |
| Funding & liquidity | 93 (stronger) | 88 |
| Problem-loan coverage | 94 (stronger) | 90 |
| Peer percentile | 42nd | 19th |
| Total assets | $73.4M | $79.1M |
| Deposits / shares | $65.7M | $70.2M |
| Capital ratio | 11.31% (stronger) | 9.10% |
| Problem loans | 0.69% (stronger) | 1.03% |
| Net charge-offs | -0.22% (stronger) | 0.19% |
| Return on assets | 0.71% | 0.75% (stronger) |
| Loans ÷ deposits | 48.4% | 42.3% (stronger) |
| Uninsured deposits | 21.6% (stronger) | 25.6% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The State Bank of Pearl City has the higher TellerScore (71 vs 61). On the 7 directional measures above (where higher or lower is clearly better), The State Bank of Pearl City leads on 5 and Washington State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.