Side-by-side · Q2 2026 data
West Michigan Community Bank vs Sturgis Bank & Trust Company
Metric by metric
| Measure | West Michigan Community Bank | Sturgis Bank & Trust Company |
|---|---|---|
| TellerScore | 53 | 56 (stronger) |
| Capital cushion | 42 (stronger) | 36 |
| Loan quality | 53 | 69 (stronger) |
| Earnings | 78 (stronger) | 61 |
| Funding & liquidity | 29 | 53 (stronger) |
| Problem-loan coverage | 69 | 76 (stronger) |
| Peer percentile | 11th | 15th |
| Total assets | $1.2B | $1.0B |
| Deposits / shares | $1.1B | $893.0M |
| Capital ratio | 9.22% (stronger) | 8.63% |
| Problem loans | 1.40% | 0.92% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.46% (stronger) | 1.03% |
| Loans ÷ deposits | 95.9% | 85.1% (stronger) |
| Uninsured deposits | 46.3% | 35.3% (stronger) |
| Offices | 7 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.4% | 3.4% |
Sturgis Bank & Trust Company has the higher TellerScore (56 vs 53). On the 7 directional measures above (where higher or lower is clearly better), West Michigan Community Bank leads on 3 and Sturgis Bank & Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.