Side-by-side · Q2 2026 data
Farmers State Bank vs West Central Georgia Bank
Metric by metric
| Measure | Farmers State Bank | West Central Georgia Bank |
|---|---|---|
| TellerScore | 90 | 97 (stronger) |
| Capital cushion | 89 | 100 (stronger) |
| Loan quality | 91 | 99 (stronger) |
| Earnings | 100 (stronger) | 86 |
| Funding & liquidity | 70 | 97 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 95th | 100th |
| Total assets | $156.2M | $160.4M |
| Deposits / shares | $134.3M | $123.7M |
| Capital ratio | 13.92% | 22.22% (stronger) |
| Problem loans | 0.28% | 0.04% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 2.15% (stronger) | 1.65% |
| Loans ÷ deposits | 90.3% | 62.8% (stronger) |
| Uninsured deposits | 15.1% | 13.1% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
West Central Georgia Bank has the higher TellerScore (97 vs 90). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 2 and West Central Georgia Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.