Side-by-side · Q2 2026 data
White State Bank vs Federation Bank
Metric by metric
| Measure | White State Bank | Federation Bank |
|---|---|---|
| TellerScore | 73 | 83 (stronger) |
| Capital cushion | 62 (stronger) | 55 |
| Loan quality | 56 | 93 (stronger) |
| Earnings | 85 | 91 (stronger) |
| Funding & liquidity | 92 | 99 (stronger) |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 53rd | 84th |
| Total assets | $109.0M | $155.8M |
| Deposits / shares | $96.4M | $133.8M |
| Capital ratio | 11.16% (stronger) | 10.49% |
| Problem loans | 1.31% | 0.20% (stronger) |
| Net charge-offs | -0.02% | -0.06% (stronger) |
| Return on assets | 1.62% | 1.79% (stronger) |
| Loans ÷ deposits | 38.8% (stronger) | 61.0% |
| Uninsured deposits | 22.2% | 6.3% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.4% |
Federation Bank has the higher TellerScore (83 vs 73). On the 7 directional measures above (where higher or lower is clearly better), White State Bank leads on 2 and Federation Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.