Side-by-side · Q2 2026 data
State Bank & Trust vs West Alabama Bank & Trust
Metric by metric
| Measure | State Bank & Trust | West Alabama Bank & Trust |
|---|---|---|
| TellerScore | 63 | 77 (stronger) |
| Capital cushion | 40 | 72 (stronger) |
| Loan quality | 83 | 85 (stronger) |
| Earnings | 56 | 71 (stronger) |
| Funding & liquidity | 66 | 77 (stronger) |
| Problem-loan coverage | 87 | 87 |
| Peer percentile | 24th | 68th |
| Total assets | $413.0M | $929.0M |
| Deposits / shares | $362.6M | $806.4M |
| Capital ratio | 9.01% | 12.22% (stronger) |
| Problem loans | 0.51% | 0.44% (stronger) |
| Net charge-offs | 0.23% | 0.16% (stronger) |
| Return on assets | 0.89% | 1.28% (stronger) |
| Loans ÷ deposits | 76.1% | 74.0% (stronger) |
| Uninsured deposits | 31.7% | 23.0% (stronger) |
| Offices | 5 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
West Alabama Bank & Trust has the higher TellerScore (77 vs 63). On the 7 directional measures above (where higher or lower is clearly better), State Bank & Trust leads on 0 and West Alabama Bank & Trust on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Fayette, AL