Side-by-side · Q2 2026 data
Washington State Bank vs Gulf Coast Bank
Metric by metric
| Measure | Washington State Bank | Gulf Coast Bank |
|---|---|---|
| TellerScore | 63 | 86 (stronger) |
| Capital cushion | 58 | 97 (stronger) |
| Loan quality | 57 | 79 (stronger) |
| Earnings | 65 | 70 (stronger) |
| Funding & liquidity | 66 | 90 (stronger) |
| Problem-loan coverage | 80 | 95 (stronger) |
| Peer percentile | 24th | 90th |
| Total assets | $309.2M | $513.7M |
| Deposits / shares | $273.9M | $444.1M |
| Capital ratio | 10.81% | 14.75% (stronger) |
| Problem loans | 1.29% | 0.63% (stronger) |
| Net charge-offs | 0.59% | 0.13% (stronger) |
| Return on assets | 1.12% | 1.25% (stronger) |
| Loans ÷ deposits | 82.0% | 65.5% (stronger) |
| Uninsured deposits | 26.2% | 19.5% (stronger) |
| Offices | 5 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.7% | 17.2% |
Gulf Coast Bank has the higher TellerScore (86 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Washington State Bank leads on 0 and Gulf Coast Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.