Side-by-side · Q2 2026 data
The Bank of Vernon vs West Alabama Bank & Trust
Metric by metric
| Measure | The Bank of Vernon | West Alabama Bank & Trust |
|---|---|---|
| TellerScore | 85 (stronger) | 77 |
| Capital cushion | 100 (stronger) | 72 |
| Loan quality | 84 | 85 (stronger) |
| Earnings | 71 | 71 |
| Funding & liquidity | 69 | 77 (stronger) |
| Problem-loan coverage | 94 (stronger) | 87 |
| Peer percentile | 88th | 68th |
| Total assets | $445.4M | $929.0M |
| Deposits / shares | $373.6M | $806.4M |
| Capital ratio | 16.60% (stronger) | 12.22% |
| Problem loans | 0.47% | 0.44% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.16% |
| Return on assets | 1.27% | 1.28% (stronger) |
| Loans ÷ deposits | 87.8% | 74.0% (stronger) |
| Uninsured deposits | 18.2% (stronger) | 23.0% |
| Offices | 4 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Bank of Vernon has the higher TellerScore (85 vs 77). On the 7 directional measures above (where higher or lower is clearly better), The Bank of Vernon leads on 4 and West Alabama Bank & Trust on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.