Side-by-side · Q2 2026 data
West Central Bank vs Warren-Boynton State Bank
Metric by metric
| Measure | West Central Bank | Warren-Boynton State Bank |
|---|---|---|
| TellerScore | 60 | 79 (stronger) |
| Capital cushion | 69 | 71 (stronger) |
| Loan quality | 30 | 86 (stronger) |
| Earnings | 71 | 81 (stronger) |
| Funding & liquidity | 70 | 72 (stronger) |
| Problem-loan coverage | 70 | 95 (stronger) |
| Peer percentile | 19th | 75th |
| Total assets | $232.2M | $234.5M |
| Deposits / shares | $207.1M | $201.4M |
| Capital ratio | 11.95% | 12.08% (stronger) |
| Problem loans | 2.10% | 0.41% (stronger) |
| Net charge-offs | 1.43% | 0.01% (stronger) |
| Return on assets | 1.28% | 1.52% (stronger) |
| Loans ÷ deposits | 83.1% (stronger) | 83.4% |
| Uninsured deposits | 21.4% | 18.8% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.2% | — |
Warren-Boynton State Bank has the higher TellerScore (79 vs 60). On the 7 directional measures above (where higher or lower is clearly better), West Central Bank leads on 1 and Warren-Boynton State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.