Side-by-side · Q2 2026 data
Magnolia Bank, Incorporated vs West Point Bank
Metric by metric
| Measure | Magnolia Bank, Incorporated | West Point Bank |
|---|---|---|
| TellerScore | 49 | 57 (stronger) |
| Capital cushion | 60 (stronger) | 35 |
| Loan quality | 33 | 69 (stronger) |
| Earnings | 57 | 63 (stronger) |
| Funding & liquidity | 27 | 60 (stronger) |
| Problem-loan coverage | 69 | 81 (stronger) |
| Peer percentile | 6th | 14th |
| Total assets | $546.3M | $560.6M |
| Deposits / shares | $449.5M | $475.7M |
| Capital ratio | 10.96% (stronger) | 8.55% |
| Problem loans | 2.02% | 0.93% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 0.93% | 1.08% (stronger) |
| Loans ÷ deposits | 104.6% | 92.7% (stronger) |
| Uninsured deposits | 41.3% | 22.3% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.3% | 8.9% |
West Point Bank has the higher TellerScore (57 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Magnolia Bank, Incorporated leads on 1 and West Point Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.