Western Bank vs Texas State Bank
Side-by-side bank health comparison using FDIC financial data
Verdict
Western Bank has a stronger Bank Health Score of 100/100 (A) compared to Texas State Bank at 100/100 (A), a difference of 0 points. Western Bank holds a Tier 1 capital ratio of 14.90% and an NPL ratio of 0.00%.
| Metric | Western Bank | Texas State 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% | 19.4%* |
| 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% | 34.9%* |
| Return on Assets Profitability metric (above 1% is strong) | 3.2%* | 2.0% |
| Total Assets | $341M | $402M |
| Total Deposits | $314M | $333M |
| Location | Artesia, New Mexico | San Angelo, Texas |
Western Bank has a stronger Bank Health Score of 100/100 (A) compared to Texas State Bank at 100/100 (A), a difference of 0 points. Western Bank holds a Tier 1 capital ratio of 14.90% and an NPL ratio of 0.00%.