Side-by-side · Q2 2026 data
Western State Bank vs Bell Bank
Metric by metric
| Measure | Western State Bank | Bell Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 59 |
| Capital cushion | 82 (stronger) | 50 |
| Loan quality | 70 | 70 |
| Earnings | 100 (stronger) | 57 |
| Funding & liquidity | 47 (stronger) | 43 |
| Problem-loan coverage | 89 (stronger) | 85 |
| Peer percentile | 86th | 25th |
| Total assets | $2.5B | $15.2B |
| Deposits / shares | $2.1B | $12.4B |
| Capital ratio | 13.19% (stronger) | 9.98% |
| Problem loans | 0.90% | 0.90% (stronger) |
| Net charge-offs | 0.28% | 0.02% (stronger) |
| Return on assets | 2.01% (stronger) | 0.93% |
| Loans ÷ deposits | 104.8% (stronger) | 105.9% |
| Uninsured deposits | 22.1% (stronger) | 25.3% |
| Offices | 10 | 32 |
| CFPB complaints (3 yrs) | — | 54 |
| Complaints per $1B deposits | — | 4.4 |
| Mortgage denial rate (HMDA) | 6.3% | 7.1% |
Western State Bank has the higher TellerScore (78 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Western State Bank leads on 5 and Bell Bank 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.