Side-by-side · Q2 2026 data
West Coast Community Bank vs United Business Bank
Metric by metric
| Measure | West Coast Community Bank | United Business Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 60 |
| Capital cushion | 70 (stronger) | 67 |
| Loan quality | 83 | 84 (stronger) |
| Earnings | 100 (stronger) | 25 |
| Funding & liquidity | 26 | 31 (stronger) |
| Problem-loan coverage | 92 | 94 (stronger) |
| Peer percentile | 77th | 21st |
| Total assets | $2.9B | $2.6B |
| Deposits / shares | $2.5B | $2.2B |
| Capital ratio | 12.05% (stronger) | 11.66% |
| Problem loans | 0.50% | 0.47% (stronger) |
| Net charge-offs | 0.39% | 0.28% (stronger) |
| Return on assets | 2.02% (stronger) | 0.12% |
| Loans ÷ deposits | 88.6% (stronger) | 94.4% |
| Uninsured deposits | 56.3% | 46.5% (stronger) |
| Offices | 11 | 34 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
West Coast Community Bank has the higher TellerScore (75 vs 60). On the 7 directional measures above (where higher or lower is clearly better), West Coast Community Bank leads on 4 and United Business Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.