Side-by-side · Q2 2026 data
West Plains Bank vs Sandhills State Bank
Metric by metric
| Measure | West Plains Bank | Sandhills State Bank |
|---|---|---|
| TellerScore | 91 (stronger) | 69 |
| Capital cushion | 98 (stronger) | 34 |
| Loan quality | 100 (stronger) | 95 |
| Earnings | 74 | 81 (stronger) |
| Funding & liquidity | 80 (stronger) | 59 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 96th | 40th |
| Total assets | $139.3M | $382.8M |
| Deposits / shares | $110.5M | $347.1M |
| Capital ratio | 14.84% (stronger) | 8.42% |
| Problem loans | 0.00% (stronger) | 0.16% |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | 1.35% | 1.52% (stronger) |
| Loans ÷ deposits | 75.5% (stronger) | 79.3% |
| Uninsured deposits | 19.5% (stronger) | 34.6% |
| Offices | 2 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
West Plains Bank has the higher TellerScore (91 vs 69). On the 7 directional measures above (where higher or lower is clearly better), West Plains Bank leads on 5 and Sandhills State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.