Side-by-side · Q2 2026 data
West Plains Bank and Trust Company vs Community First Banking Company
Metric by metric
| Measure | West Plains Bank and Trust Company | Community First Banking Company |
|---|---|---|
| TellerScore | 70 | 75 (stronger) |
| Capital cushion | 33 | 53 (stronger) |
| Loan quality | 85 | 100 (stronger) |
| Earnings | 89 (stronger) | 78 |
| Funding & liquidity | 76 (stronger) | 63 |
| Problem-loan coverage | 92 (stronger) | 89 |
| Peer percentile | 43rd | 61st |
| Total assets | $767.9M | $307.3M |
| Deposits / shares | $702.5M | $262.2M |
| Capital ratio | 8.32% | 10.31% (stronger) |
| Problem loans | 0.45% | 0.00% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.11% |
| Return on assets | 1.73% (stronger) | 1.44% |
| Loans ÷ deposits | 75.4% (stronger) | 89.5% |
| Uninsured deposits | 23.0% | 21.6% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community First Banking Company has the higher TellerScore (75 vs 70). On the 7 directional measures above (where higher or lower is clearly better), West Plains Bank and Trust Company leads on 3 and Community First Banking Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.