Side-by-side · Q2 2026 data
West Plains Bank vs Farmers and Merchants Bank of Ashland
Metric by metric
| Measure | West Plains Bank | Farmers and Merchants Bank of Ashland |
|---|---|---|
| TellerScore | 91 (stronger) | 71 |
| Capital cushion | 98 (stronger) | 50 |
| Loan quality | 100 (stronger) | 86 |
| Earnings | 74 (stronger) | 73 |
| Funding & liquidity | 80 (stronger) | 71 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 96th | 47th |
| Total assets | $139.3M | $152.2M |
| Deposits / shares | $110.5M | $128.0M |
| Capital ratio | 14.84% (stronger) | 10.00% |
| Problem loans | 0.00% (stronger) | 0.42% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.35% (stronger) | 1.33% |
| Loans ÷ deposits | 75.5% (stronger) | 89.4% |
| Uninsured deposits | 19.5% | 13.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.3% |
West Plains Bank has the higher TellerScore (91 vs 71). On the 6 directional measures above (where higher or lower is clearly better), West Plains Bank leads on 5 and Farmers and Merchants Bank of Ashland on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.