Side-by-side · Q2 2026 data
The Citizens National Bank of Meridian vs West Alabama Bank & Trust
Metric by metric
| Measure | The Citizens National Bank of Meridian | West Alabama Bank & Trust |
|---|---|---|
| TellerScore | 70 | 77 (stronger) |
| Capital cushion | 63 | 72 (stronger) |
| Loan quality | 71 | 85 (stronger) |
| Earnings | 84 (stronger) | 71 |
| Funding & liquidity | 51 | 77 (stronger) |
| Problem-loan coverage | 86 | 87 (stronger) |
| Peer percentile | 58th | 68th |
| Total assets | $1.9B | $929.0M |
| Deposits / shares | $1.6B | $806.4M |
| Capital ratio | 11.28% | 12.22% (stronger) |
| Problem loans | 0.87% | 0.44% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.16% |
| Return on assets | 1.59% (stronger) | 1.28% |
| Loans ÷ deposits | 80.1% | 74.0% (stronger) |
| Uninsured deposits | 41.2% | 23.0% (stronger) |
| Offices | 25 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
West Alabama Bank & Trust has the higher TellerScore (77 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank of Meridian leads on 2 and West Alabama Bank & Trust on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.