Side-by-side · Q2 2026 data
Waypoint Bank vs Sandhills State Bank
Metric by metric
| Measure | Waypoint Bank | Sandhills State Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 69 |
| Capital cushion | 59 (stronger) | 34 |
| Loan quality | 80 | 95 (stronger) |
| Earnings | 91 (stronger) | 81 |
| Funding & liquidity | 62 (stronger) | 59 |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 61st | 40th |
| Total assets | $391.5M | $382.8M |
| Deposits / shares | $324.6M | $347.1M |
| Capital ratio | 10.87% (stronger) | 8.42% |
| Problem loans | 0.59% | 0.16% (stronger) |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | 1.77% (stronger) | 1.52% |
| Loans ÷ deposits | 84.4% | 79.3% (stronger) |
| Uninsured deposits | 27.8% (stronger) | 34.6% |
| Offices | 8 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Waypoint Bank has the higher TellerScore (75 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Waypoint Bank leads on 4 and Sandhills State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.