Side-by-side · Q2 2026 data
Washington State Bank vs Caldwell Bank & Trust Company
Metric by metric
| Measure | Washington State Bank | Caldwell Bank & Trust Company |
|---|---|---|
| TellerScore | 63 (stronger) | 41 |
| Capital cushion | 58 (stronger) | 50 |
| Loan quality | 57 (stronger) | 5 |
| Earnings | 65 (stronger) | 59 |
| Funding & liquidity | 66 (stronger) | 52 |
| Problem-loan coverage | 80 (stronger) | 55 |
| Peer percentile | 24th | 3rd |
| Total assets | $309.2M | $298.6M |
| Deposits / shares | $273.9M | $257.6M |
| Capital ratio | 10.81% (stronger) | 10.03% |
| Problem loans | 1.29% (stronger) | 2.86% |
| Net charge-offs | 0.59% | 0.01% (stronger) |
| Return on assets | 1.12% (stronger) | 0.98% |
| Loans ÷ deposits | 82.0% (stronger) | 87.6% |
| Uninsured deposits | 26.2% (stronger) | 34.0% |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.7% | — |
Washington State Bank has the higher TellerScore (63 vs 41). On the 7 directional measures above (where higher or lower is clearly better), Washington State Bank leads on 6 and Caldwell Bank & Trust Company on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.