Western Bank vs Municipal Trust&Savings Bank
Side-by-side bank health comparison using FDIC financial data
Western Bank (A) and Municipal Trust&Savings Bank (A) are close on the BankHealth rubric. Asset bases: $341M versus $357M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Western Bank has a stronger Bank Health Score of 100/100 (A) compared to Municipal Trust&Savings Bank at 100/100 (A), a difference of 0 points. Western Bank holds a Tier 1 capital ratio of 14.9% and an NPL ratio of 0.00%.
| Metric | Western Bank | Municipal Trust&Savings Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 100/100 (A) | 100/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 14.9% | 16.5%* |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0% | 0.0% |
| Liquidity Ratio Cash and liquid assets vs obligations | 30.0% | 33.4%* |
| Return on Assets Profitability metric (above 1% is strong) | 3.2%* | 2.6% |
| Total Assets | $341M | $357M |
| Total Deposits | $314M | $281M |
| Location | Artesia, New Mexico | Bourbonnais, Illinois |
Western Bank has a stronger Bank Health Score of 100/100 (A) compared to Municipal Trust&Savings Bank at 100/100 (A), a difference of 0 points. Western Bank holds a Tier 1 capital ratio of 14.9% and an NPL ratio of 0.00%.