Side-by-side · Q2 2026 data
West Alabama Bank & Trust vs First Cahawba Bank
Metric by metric
| Measure | West Alabama Bank & Trust | First Cahawba Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 74 |
| Capital cushion | 72 (stronger) | 58 |
| Loan quality | 85 | 96 (stronger) |
| Earnings | 71 (stronger) | 65 |
| Funding & liquidity | 77 (stronger) | 62 |
| Problem-loan coverage | 87 | 98 (stronger) |
| Peer percentile | 68th | 57th |
| Total assets | $929.0M | $205.7M |
| Deposits / shares | $806.4M | $186.6M |
| Capital ratio | 12.22% (stronger) | 10.81% |
| Problem loans | 0.44% | 0.12% (stronger) |
| Net charge-offs | 0.16% | -0.05% (stronger) |
| Return on assets | 1.28% (stronger) | 1.13% |
| Loans ÷ deposits | 74.0% (stronger) | 78.7% |
| Uninsured deposits | 23.0% (stronger) | 33.0% |
| Offices | 15 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.4% |
West Alabama Bank & Trust has the higher TellerScore (77 vs 74). On the 7 directional measures above (where higher or lower is clearly better), West Alabama Bank & Trust leads on 5 and First Cahawba Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.