Side-by-side · Q2 2026 data
Battle Creek State Bank vs Charter West Bank
Metric by metric
| Measure | Battle Creek State Bank | Charter West Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 68 |
| Capital cushion | 94 (stronger) | 43 |
| Loan quality | 100 (stronger) | 91 |
| Earnings | 61 | 82 (stronger) |
| Funding & liquidity | 38 | 43 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 68th | 37th |
| Total assets | $71.0M | $547.9M |
| Deposits / shares | $61.0M | $486.3M |
| Capital ratio | 14.45% (stronger) | 9.27% |
| Problem loans | 0.00% (stronger) | 0.26% |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.03% | 1.54% (stronger) |
| Loans ÷ deposits | 90.8% | 87.3% (stronger) |
| Uninsured deposits | 42.9% | 42.2% (stronger) |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.6% |
Battle Creek State Bank has the higher TellerScore (81 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Battle Creek State Bank leads on 4 and Charter West Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.