Side-by-side · Q2 2026 data
West Central Bank vs Crossroads Bank
Metric by metric
| Measure | West Central Bank | Crossroads Bank |
|---|---|---|
| TellerScore | 60 | 93 (stronger) |
| Capital cushion | 69 | 100 (stronger) |
| Loan quality | 30 | 98 (stronger) |
| Earnings | 71 | 76 (stronger) |
| Funding & liquidity | 70 | 88 (stronger) |
| Problem-loan coverage | 70 | 99 (stronger) |
| Peer percentile | 19th | 98th |
| Total assets | $232.2M | $234.7M |
| Deposits / shares | $207.1M | $195.0M |
| Capital ratio | 11.95% | 15.97% (stronger) |
| Problem loans | 2.10% | 0.06% (stronger) |
| Net charge-offs | 1.43% | 0.00% (stronger) |
| Return on assets | 1.28% | 1.39% (stronger) |
| Loans ÷ deposits | 83.1% | 71.9% (stronger) |
| Uninsured deposits | 21.4% | 10.4% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.2% | — |
Crossroads Bank has the higher TellerScore (93 vs 60). On the 7 directional measures above (where higher or lower is clearly better), West Central Bank leads on 0 and Crossroads Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.