Side-by-side · Q2 2026 data
West Central Bank vs Metropolitan Capital Bank & Trust
Metric by metric
| Measure | West Central Bank | Metropolitan Capital Bank & Trust |
|---|---|---|
| TellerScore | 60 (stronger) | 15 |
| Capital cushion | 69 (stronger) | 0 |
| Loan quality | 30 (stronger) | 6 |
| Earnings | 71 (stronger) | 0 |
| Funding & liquidity | 70 | 87 (stronger) |
| Problem-loan coverage | 70 (stronger) | 0 |
| Peer percentile | 19th | 0th |
| Total assets | $232.2M | $235.5M |
| Deposits / shares | $207.1M | $202.1M |
| Capital ratio | 11.95% (stronger) | 1.83% |
| Problem loans | 2.10% (stronger) | 2.82% |
| Net charge-offs | 1.43% (stronger) | 10.53% |
| Return on assets | 1.28% (stronger) | -6.92% |
| Loans ÷ deposits | 83.1% | 65.0% (stronger) |
| Uninsured deposits | 21.4% (stronger) | 22.3% |
| Offices | 4 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.2% | — |
West Central Bank has the higher TellerScore (60 vs 15). On the 7 directional measures above (where higher or lower is clearly better), West Central Bank leads on 6 and Metropolitan Capital Bank & Trust on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.