Side-by-side · Q2 2026 data
Adams Bank & Trust vs West Gate Bank
Metric by metric
| Measure | Adams Bank & Trust | West Gate Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 72 |
| Capital cushion | 91 (stronger) | 54 |
| Loan quality | 82 | 92 (stronger) |
| Earnings | 73 (stronger) | 59 |
| Funding & liquidity | 69 | 77 (stronger) |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 93rd | 66th |
| Total assets | $1.3B | $1.5B |
| Deposits / shares | $1.1B | $1.3B |
| Capital ratio | 14.11% (stronger) | 10.38% |
| Problem loans | 0.55% | 0.25% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.32% (stronger) | 0.97% |
| Loans ÷ deposits | 82.4% (stronger) | 83.0% |
| Uninsured deposits | 23.0% | 15.6% (stronger) |
| Offices | 23 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.6% | 4.8% |
Adams Bank & Trust has the higher TellerScore (82 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Adams Bank & Trust leads on 4 and West Gate Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.