Side-by-side · Q2 2026 data
Western Bank vs Texas Heritage National Bank
Metric by metric
| Measure | Western Bank | Texas Heritage National Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 59 |
| Capital cushion | 48 | 52 (stronger) |
| Loan quality | 90 (stronger) | 58 |
| Earnings | 94 (stronger) | 77 |
| Funding & liquidity | 48 (stronger) | 34 |
| Problem-loan coverage | 80 (stronger) | 79 |
| Peer percentile | 47th | 17th |
| Total assets | $947.2M | $936.4M |
| Deposits / shares | $796.9M | $811.9M |
| Capital ratio | 9.77% | 10.17% (stronger) |
| Problem loans | 0.31% (stronger) | 1.27% |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 1.84% (stronger) | 1.42% |
| Loans ÷ deposits | 95.8% (stronger) | 97.7% |
| Uninsured deposits | 29.7% (stronger) | 40.5% |
| Offices | 9 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.1% | 7.1% |
Western Bank has the higher TellerScore (71 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Western Bank leads on 6 and Texas Heritage National Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.