Side-by-side · Q2 2026 data
Thumb Bank and Trust vs West Shore Bank
Metric by metric
| Measure | Thumb Bank and Trust | West Shore Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 56 |
| Capital cushion | 44 | 48 (stronger) |
| Loan quality | 99 (stronger) | 59 |
| Earnings | 86 (stronger) | 53 |
| Funding & liquidity | 78 (stronger) | 56 |
| Problem-loan coverage | 100 (stronger) | 81 |
| Peer percentile | 68th | 13th |
| Total assets | $673.3M | $833.6M |
| Deposits / shares | $595.8M | $720.2M |
| Capital ratio | 9.44% | 9.85% (stronger) |
| Problem loans | 0.03% (stronger) | 1.24% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.65% (stronger) | 0.83% |
| Loans ÷ deposits | 69.5% (stronger) | 90.7% |
| Uninsured deposits | 26.4% (stronger) | 27.3% |
| Offices | 13 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | — |
Thumb Bank and Trust has the higher TellerScore (77 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Thumb Bank and Trust leads on 6 and West Shore Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.