Side-by-side · Q2 2026 data
West Michigan Community Bank vs Northstar Bank
Metric by metric
| Measure | West Michigan Community Bank | Northstar Bank |
|---|---|---|
| TellerScore | 53 | 59 (stronger) |
| Capital cushion | 42 (stronger) | 41 |
| Loan quality | 53 | 73 (stronger) |
| Earnings | 78 (stronger) | 72 |
| Funding & liquidity | 29 | 44 (stronger) |
| Problem-loan coverage | 69 | 77 (stronger) |
| Peer percentile | 11th | 19th |
| Total assets | $1.2B | $1.2B |
| Deposits / shares | $1.1B | $973.6M |
| Capital ratio | 9.22% (stronger) | 9.11% |
| Problem loans | 1.40% | 0.80% (stronger) |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | 1.46% (stronger) | 1.30% |
| Loans ÷ deposits | 95.9% (stronger) | 101.0% |
| Uninsured deposits | 46.3% | 28.4% (stronger) |
| Offices | 7 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.4% | 2.2% |
Northstar Bank has the higher TellerScore (59 vs 53). On the 7 directional measures above (where higher or lower is clearly better), West Michigan Community Bank leads on 3 and Northstar Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.