Side-by-side · Q2 2026 data
Western State Bank vs First United Bank
Metric by metric
| Measure | Western State Bank | First United Bank |
|---|---|---|
| TellerScore | 78 | 78 |
| Capital cushion | 82 (stronger) | 51 |
| Loan quality | 70 | 100 (stronger) |
| Earnings | 100 (stronger) | 87 |
| Funding & liquidity | 47 | 71 (stronger) |
| Problem-loan coverage | 89 | 98 (stronger) |
| Peer percentile | 86th | 72nd |
| Total assets | $2.5B | $810.8M |
| Deposits / shares | $2.1B | $702.1M |
| Capital ratio | 13.19% (stronger) | 10.13% |
| Problem loans | 0.90% | 0.01% (stronger) |
| Net charge-offs | 0.28% | 0.01% (stronger) |
| Return on assets | 2.01% (stronger) | 1.66% |
| Loans ÷ deposits | 104.8% | 81.9% (stronger) |
| Uninsured deposits | 22.1% | 21.6% (stronger) |
| Offices | 10 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | 3.2% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Western State Bank leads on 2 and First United Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.