Side-by-side · Q2 2026 data
West Shore Bank vs First Independence Bank
Metric by metric
| Measure | West Shore Bank | First Independence Bank |
|---|---|---|
| TellerScore | 56 | 74 (stronger) |
| Capital cushion | 48 | 58 (stronger) |
| Loan quality | 59 | 76 (stronger) |
| Earnings | 53 | 100 (stronger) |
| Funding & liquidity | 56 | 57 (stronger) |
| Problem-loan coverage | 81 | 91 (stronger) |
| Peer percentile | 13th | 57th |
| Total assets | $833.6M | $875.3M |
| Deposits / shares | $720.2M | $703.4M |
| Capital ratio | 9.85% | 10.82% (stronger) |
| Problem loans | 1.24% | 0.71% (stronger) |
| Net charge-offs | 0.00% (stronger) | 2.11% |
| Return on assets | 0.83% | 2.08% (stronger) |
| Loans ÷ deposits | 90.7% | 74.6% (stronger) |
| Uninsured deposits | 27.3% (stronger) | 40.7% |
| Offices | 9 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Independence Bank has the higher TellerScore (74 vs 56). On the 7 directional measures above (where higher or lower is clearly better), West Shore Bank leads on 2 and First Independence Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.