Side-by-side · Q2 2026 data
Welcome State Bank vs State Bank of Bellingham
Metric by metric
| Measure | Welcome State Bank | State Bank of Bellingham |
|---|---|---|
| TellerScore | 90 (stronger) | 62 |
| Capital cushion | 78 | 98 (stronger) |
| Loan quality | 100 (stronger) | 17 |
| Earnings | 100 (stronger) | 29 |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 80 |
| Peer percentile | 89th | 20th |
| Total assets | $44.3M | $46.4M |
| Deposits / shares | $38.1M | $38.4M |
| Capital ratio | 12.81% | 14.81% (stronger) |
| Problem loans | 0.00% (stronger) | 2.50% |
| Net charge-offs | -0.05% (stronger) | 0.00% |
| Return on assets | 2.94% (stronger) | 0.22% |
| Loans ÷ deposits | 79.0% | 58.1% (stronger) |
| Uninsured deposits | 16.1% | 11.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Welcome State Bank has the higher TellerScore (90 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Welcome State Bank leads on 4 and State Bank of Bellingham on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.