Side-by-side · Q2 2026 data
West Texas State Bank vs b1BANK
Metric by metric
| Measure | West Texas State Bank | b1BANK |
|---|---|---|
| TellerScore | 60 (stronger) | 59 |
| Capital cushion | 55 | 59 (stronger) |
| Loan quality | 41 | 58 (stronger) |
| Earnings | 92 (stronger) | 69 |
| Funding & liquidity | 57 (stronger) | 34 |
| Problem-loan coverage | 65 | 81 (stronger) |
| Peer percentile | 19th | 19th |
| Total assets | $443.7M | $8.9B |
| Deposits / shares | $396.5M | $7.3B |
| Capital ratio | 10.49% | 10.91% (stronger) |
| Problem loans | 1.77% | 1.26% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.12% |
| Return on assets | 1.81% (stronger) | 1.23% |
| Loans ÷ deposits | 75.2% (stronger) | 90.8% |
| Uninsured deposits | 40.7% (stronger) | 46.7% |
| Offices | 4 | 56 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.0% |
West Texas State Bank has the higher TellerScore (60 vs 59). On the 7 directional measures above (where higher or lower is clearly better), West Texas State Bank leads on 5 and b1BANK on 2. 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.
Where both have branches
- Snyder, TX