Side-by-side · Q2 2026 data
MidSouth Bank vs West Alabama Bank & Trust
Metric by metric
| Measure | MidSouth Bank | West Alabama Bank & Trust |
|---|---|---|
| TellerScore | 66 | 77 (stronger) |
| Capital cushion | 43 | 72 (stronger) |
| Loan quality | 91 (stronger) | 85 |
| Earnings | 53 | 71 (stronger) |
| Funding & liquidity | 69 | 77 (stronger) |
| Problem-loan coverage | 96 (stronger) | 87 |
| Peer percentile | 31st | 68th |
| Total assets | $771.5M | $929.0M |
| Deposits / shares | $702.8M | $806.4M |
| Capital ratio | 9.30% | 12.22% (stronger) |
| Problem loans | 0.28% (stronger) | 0.44% |
| Net charge-offs | 0.01% (stronger) | 0.16% |
| Return on assets | 0.82% | 1.28% (stronger) |
| Loans ÷ deposits | 62.6% (stronger) | 74.0% |
| Uninsured deposits | 40.9% | 23.0% (stronger) |
| Offices | 14 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
West Alabama Bank & Trust has the higher TellerScore (77 vs 66). On the 7 directional measures above (where higher or lower is clearly better), MidSouth 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.