Side-by-side · Q2 2026 data
The Citizens Bank of Winfield vs West Alabama Bank & Trust
Metric by metric
| Measure | The Citizens Bank of Winfield | West Alabama Bank & Trust |
|---|---|---|
| TellerScore | 83 (stronger) | 77 |
| Capital cushion | 100 (stronger) | 72 |
| Loan quality | 91 (stronger) | 85 |
| Earnings | 37 | 71 (stronger) |
| Funding & liquidity | 86 (stronger) | 77 |
| Problem-loan coverage | 96 (stronger) | 87 |
| Peer percentile | 84th | 68th |
| Total assets | $301.3M | $929.0M |
| Deposits / shares | $215.2M | $806.4M |
| Capital ratio | 17.51% (stronger) | 12.22% |
| Problem loans | 0.26% (stronger) | 0.44% |
| Net charge-offs | 0.47% | 0.16% (stronger) |
| Return on assets | 0.43% | 1.28% (stronger) |
| Loans ÷ deposits | 52.2% (stronger) | 74.0% |
| Uninsured deposits | 27.9% | 23.0% (stronger) |
| Offices | 1 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens Bank of Winfield has the higher TellerScore (83 vs 77). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank of Winfield leads on 4 and West Alabama Bank & Trust on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.