Side-by-side · Q2 2026 data
First State Bank vs West Michigan Community Bank
Metric by metric
| Measure | First State Bank | West Michigan Community Bank |
|---|---|---|
| TellerScore | 63 (stronger) | 53 |
| Capital cushion | 50 (stronger) | 42 |
| Loan quality | 73 (stronger) | 53 |
| Earnings | 69 | 78 (stronger) |
| Funding & liquidity | 50 (stronger) | 29 |
| Problem-loan coverage | 88 (stronger) | 69 |
| Peer percentile | 30th | 11th |
| Total assets | $1.3B | $1.2B |
| Deposits / shares | $1.2B | $1.1B |
| Capital ratio | 10.01% (stronger) | 9.22% |
| Problem loans | 0.81% (stronger) | 1.40% |
| Net charge-offs | 0.13% | 0.00% (stronger) |
| Return on assets | 1.24% | 1.46% (stronger) |
| Loans ÷ deposits | 85.8% (stronger) | 95.9% |
| Uninsured deposits | 36.8% (stronger) | 46.3% |
| Offices | 11 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.6% | 7.4% |
First State Bank has the higher TellerScore (63 vs 53). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 5 and West Michigan Community Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.