Side-by-side · Q2 2026 data
Washington State Bank vs Montezuma State Bank
Metric by metric
| Measure | Washington State Bank | Montezuma State Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 68 |
| Capital cushion | 75 | 99 (stronger) |
| Loan quality | 84 (stronger) | 0 |
| Earnings | 76 | 90 (stronger) |
| Funding & liquidity | 66 | 92 (stronger) |
| Problem-loan coverage | 90 (stronger) | 63 |
| Peer percentile | 72nd | 33rd |
| Total assets | $601.1M | $54.6M |
| Deposits / shares | $510.5M | $46.2M |
| Capital ratio | 12.48% | 14.87% (stronger) |
| Problem loans | 0.49% (stronger) | 6.94% |
| Net charge-offs | 0.05% | -0.03% (stronger) |
| Return on assets | 1.39% | 1.75% (stronger) |
| Loans ÷ deposits | 70.6% | 48.8% (stronger) |
| Uninsured deposits | 36.8% | 22.3% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | — |
Washington State Bank has the higher TellerScore (78 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Washington State Bank leads on 2 and Montezuma State Bank on 5. 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.