Side-by-side · Q2 2026 data
Ipava State Bank vs West Central Bank
Metric by metric
| Measure | Ipava State Bank | West Central Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 60 |
| Capital cushion | 47 | 69 (stronger) |
| Loan quality | 93 (stronger) | 30 |
| Earnings | 79 (stronger) | 71 |
| Funding & liquidity | 70 | 70 |
| Problem-loan coverage | 97 (stronger) | 70 |
| Peer percentile | 53rd | 19th |
| Total assets | $221.9M | $232.2M |
| Deposits / shares | $194.3M | $207.1M |
| Capital ratio | 9.68% | 11.95% (stronger) |
| Problem loans | 0.20% (stronger) | 2.10% |
| Net charge-offs | -0.03% (stronger) | 1.43% |
| Return on assets | 1.47% (stronger) | 1.28% |
| Loans ÷ deposits | 70.4% (stronger) | 83.1% |
| Uninsured deposits | 32.5% | 21.4% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.8% | 2.2% |
Ipava State Bank has the higher TellerScore (73 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Ipava State Bank leads on 5 and West Central Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.