Side-by-side · Q2 2026 data
Washington State Bank vs Twin Cedars Bank
Metric by metric
| Measure | Washington State Bank | Twin Cedars Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 29 |
| Capital cushion | 75 (stronger) | 42 |
| Loan quality | 84 (stronger) | 0 |
| Earnings | 76 (stronger) | 0 |
| Funding & liquidity | 66 | 76 (stronger) |
| Problem-loan coverage | 90 (stronger) | 46 |
| Peer percentile | 72nd | 1st |
| Total assets | $601.1M | $118.3M |
| Deposits / shares | $510.5M | $104.7M |
| Capital ratio | 12.48% (stronger) | 9.19% |
| Problem loans | 0.49% (stronger) | 4.61% |
| Net charge-offs | 0.05% (stronger) | 1.84% |
| Return on assets | 1.39% (stronger) | -2.34% |
| Loans ÷ deposits | 70.6% (stronger) | 84.3% |
| Uninsured deposits | 36.8% | 8.7% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | 6.9% |
Washington State Bank has the higher TellerScore (78 vs 29). On the 7 directional measures above (where higher or lower is clearly better), Washington State Bank leads on 6 and Twin Cedars Bank on 1. 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.