Side-by-side · Q2 2026 data
Southern Michigan Bank & Trust vs West Michigan Community Bank
Metric by metric
| Measure | Southern Michigan Bank & Trust | West Michigan Community Bank |
|---|---|---|
| TellerScore | 56 (stronger) | 53 |
| Capital cushion | 40 | 42 (stronger) |
| Loan quality | 69 (stronger) | 53 |
| Earnings | 54 | 78 (stronger) |
| Funding & liquidity | 50 (stronger) | 29 |
| Problem-loan coverage | 84 (stronger) | 69 |
| Peer percentile | 15th | 11th |
| Total assets | $1.7B | $1.2B |
| Deposits / shares | $1.4B | $1.1B |
| Capital ratio | 9.04% | 9.22% (stronger) |
| Problem loans | 0.92% (stronger) | 1.40% |
| Net charge-offs | 0.13% | 0.00% (stronger) |
| Return on assets | 0.85% | 1.46% (stronger) |
| Loans ÷ deposits | 89.9% (stronger) | 95.9% |
| Uninsured deposits | 33.6% (stronger) | 46.3% |
| Offices | 17 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.3% | 7.4% |
Southern Michigan Bank & Trust has the higher TellerScore (56 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Southern Michigan Bank & Trust leads on 4 and West Michigan Community Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.