Side-by-side · Q2 2026 data
Peoples Exchange Bank vs West Point Bank
Metric by metric
| Measure | Peoples Exchange Bank | West Point Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 57 |
| Capital cushion | 50 (stronger) | 35 |
| Loan quality | 98 (stronger) | 69 |
| Earnings | 71 (stronger) | 63 |
| Funding & liquidity | 50 | 60 (stronger) |
| Problem-loan coverage | 97 (stronger) | 81 |
| Peer percentile | 47th | 14th |
| Total assets | $609.8M | $560.6M |
| Deposits / shares | $522.7M | $475.7M |
| Capital ratio | 9.97% (stronger) | 8.55% |
| Problem loans | 0.06% (stronger) | 0.93% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.26% (stronger) | 1.08% |
| Loans ÷ deposits | 98.0% | 92.7% (stronger) |
| Uninsured deposits | 26.5% | 22.3% (stronger) |
| Offices | 8 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.2% | 8.9% |
Peoples Exchange Bank has the higher TellerScore (71 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Peoples Exchange Bank leads on 4 and West Point Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.