Side-by-side · Q2 2026 data
Welcome State Bank vs First State Bank
Metric by metric
| Measure | Welcome State Bank | First State Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 81 |
| Capital cushion | 78 (stronger) | 74 |
| Loan quality | 100 (stronger) | 96 |
| Earnings | 100 (stronger) | 75 |
| Funding & liquidity | 80 (stronger) | 65 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 89th | 80th |
| Total assets | $44.3M | $674.3M |
| Deposits / shares | $38.1M | $572.2M |
| Capital ratio | 12.81% (stronger) | 12.40% |
| Problem loans | 0.00% (stronger) | 0.12% |
| Net charge-offs | -0.05% (stronger) | 0.00% |
| Return on assets | 2.94% (stronger) | 1.38% |
| Loans ÷ deposits | 79.0% (stronger) | 86.5% |
| Uninsured deposits | 16.1% (stronger) | 22.4% |
| Offices | 1 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Welcome State Bank has the higher TellerScore (90 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Welcome State Bank leads on 7 and First State Bank on 0. 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.