Side-by-side · Q2 2026 data
West Gate Bank vs Five Points Bank
Metric by metric
| Measure | West Gate Bank | Five Points Bank |
|---|---|---|
| TellerScore | 72 | 76 (stronger) |
| Capital cushion | 54 (stronger) | 53 |
| Loan quality | 92 | 100 (stronger) |
| Earnings | 59 | 78 (stronger) |
| Funding & liquidity | 77 (stronger) | 63 |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 66th | 80th |
| Total assets | $1.5B | $2.2B |
| Deposits / shares | $1.3B | $2.0B |
| Capital ratio | 10.38% (stronger) | 10.30% |
| Problem loans | 0.25% | 0.01% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 0.97% | 1.45% (stronger) |
| Loans ÷ deposits | 83.0% | 67.9% (stronger) |
| Uninsured deposits | 15.6% (stronger) | 41.5% |
| Offices | 10 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.8% | 2.5% |
Five Points Bank has the higher TellerScore (76 vs 72). On the 7 directional measures above (where higher or lower is clearly better), West Gate Bank leads on 2 and Five Points Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.