Side-by-side · Q2 2026 data
Western State Bank vs Gate City Bank
Metric by metric
| Measure | Western State Bank | Gate City Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 65 |
| Capital cushion | 82 (stronger) | 48 |
| Loan quality | 70 | 77 (stronger) |
| Earnings | 100 (stronger) | 54 |
| Funding & liquidity | 47 | 78 (stronger) |
| Problem-loan coverage | 89 | 89 |
| Peer percentile | 86th | 36th |
| Total assets | $2.5B | $4.0B |
| Deposits / shares | $2.1B | $3.6B |
| Capital ratio | 13.19% (stronger) | 9.85% |
| Problem loans | 0.90% | 0.69% (stronger) |
| Net charge-offs | 0.28% | 0.16% (stronger) |
| Return on assets | 2.01% (stronger) | 0.85% |
| Loans ÷ deposits | 104.8% | 82.5% (stronger) |
| Uninsured deposits | 22.1% | 10.9% (stronger) |
| Offices | 10 | 45 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | — |
Western State Bank has the higher TellerScore (78 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Western State Bank leads on 3 and Gate City Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.