Side-by-side · Q2 2026 data
West Point Bank vs Town & Country Bank and Trust Company
Metric by metric
| Measure | West Point Bank | Town & Country Bank and Trust Company |
|---|---|---|
| TellerScore | 57 | 82 (stronger) |
| Capital cushion | 35 | 77 (stronger) |
| Loan quality | 69 | 86 (stronger) |
| Earnings | 63 | 79 (stronger) |
| Funding & liquidity | 60 | 83 (stronger) |
| Problem-loan coverage | 81 | 96 (stronger) |
| Peer percentile | 14th | 82nd |
| Total assets | $560.6M | $433.7M |
| Deposits / shares | $475.7M | $378.0M |
| Capital ratio | 8.55% | 12.75% (stronger) |
| Problem loans | 0.93% | 0.42% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.08% | 1.47% (stronger) |
| Loans ÷ deposits | 92.7% | 74.8% (stronger) |
| Uninsured deposits | 22.3% | 17.1% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.9% | — |
Town & Country Bank and Trust Company has the higher TellerScore (82 vs 57). On the 7 directional measures above (where higher or lower is clearly better), West Point Bank leads on 1 and Town & Country Bank and Trust Company on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.