Side-by-side · Q2 2026 data
Central State Bank vs West Alabama Bank & Trust
Metric by metric
| Measure | Central State Bank | West Alabama Bank & Trust |
|---|---|---|
| TellerScore | 74 | 77 (stronger) |
| Capital cushion | 40 | 72 (stronger) |
| Loan quality | 95 (stronger) | 85 |
| Earnings | 100 (stronger) | 71 |
| Funding & liquidity | 55 | 77 (stronger) |
| Problem-loan coverage | 96 (stronger) | 87 |
| Peer percentile | 57th | 68th |
| Total assets | $890.7M | $929.0M |
| Deposits / shares | $810.3M | $806.4M |
| Capital ratio | 8.98% | 12.22% (stronger) |
| Problem loans | 0.16% (stronger) | 0.44% |
| Net charge-offs | 0.22% | 0.16% (stronger) |
| Return on assets | 2.01% (stronger) | 1.28% |
| Loans ÷ deposits | 68.0% (stronger) | 74.0% |
| Uninsured deposits | 48.5% | 23.0% (stronger) |
| Offices | 7 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
West Alabama Bank & Trust has the higher TellerScore (77 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Central State Bank leads on 3 and West Alabama Bank & Trust on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.