Side-by-side · Q2 2026 data
Talbot State Bank vs West Central Georgia Bank
Metric by metric
| Measure | Talbot State Bank | West Central Georgia Bank |
|---|---|---|
| TellerScore | 30 | 97 (stronger) |
| Capital cushion | 28 | 100 (stronger) |
| Loan quality | 22 | 99 (stronger) |
| Earnings | 0 | 86 (stronger) |
| Funding & liquidity | 83 | 97 (stronger) |
| Problem-loan coverage | 38 | 100 (stronger) |
| Peer percentile | 1st | 100th |
| Total assets | $51.7M | $160.4M |
| Deposits / shares | $45.2M | $123.7M |
| Capital ratio | 7.78% | 22.22% (stronger) |
| Problem loans | 2.35% | 0.04% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | -0.85% | 1.65% (stronger) |
| Loans ÷ deposits | 72.5% | 62.8% (stronger) |
| Uninsured deposits | 19.4% | 13.1% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.4% | — |
West Central Georgia Bank has the higher TellerScore (97 vs 30). On the 7 directional measures above (where higher or lower is clearly better), Talbot State Bank leads on 1 and West Central Georgia Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.