Side-by-side · Q2 2026 data
Bank & Trust Company vs Warren-Boynton State Bank
Metric by metric
| Measure | Bank & Trust Company | Warren-Boynton State Bank |
|---|---|---|
| TellerScore | 75 | 79 (stronger) |
| Capital cushion | 63 | 71 (stronger) |
| Loan quality | 88 (stronger) | 86 |
| Earnings | 65 | 81 (stronger) |
| Funding & liquidity | 74 (stronger) | 72 |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 61st | 75th |
| Total assets | $641.3M | $234.5M |
| Deposits / shares | $540.5M | $201.4M |
| Capital ratio | 11.27% | 12.08% (stronger) |
| Problem loans | 0.37% (stronger) | 0.41% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.13% | 1.52% (stronger) |
| Loans ÷ deposits | 78.9% (stronger) | 83.4% |
| Uninsured deposits | 21.6% | 18.8% (stronger) |
| Offices | 9 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Warren-Boynton State Bank has the higher TellerScore (79 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Bank & Trust Company leads on 3 and Warren-Boynton State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.