Bank Comparison
West Central Georgia Bank vs Commercial Trust Company of Fayette
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 3
winning metrics across 13 scored rows
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Capital adequacy
| Metric | West Central Georgia Bank | Commercial Trust Company of Fayette |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 21.98% | 10.41% |
| Equity / Assets | 20.57% | 10.06% |
Profitability
| Metric | West Central Georgia Bank | Commercial Trust Company of Fayette |
|---|---|---|
| Return on Assets (ROA) | 1.64% | 1.27% |
| Return on Equity (ROE) | 8.09% | 12.56% |
| Net Interest Margin (NIM) | 4.36% | 3.74% |
| Yield on Earning Assets | 5.39% | 5.52% |
| Cost of Funds | 1.29% | 1.95% |
Asset quality
| Metric | West Central Georgia Bank | Commercial Trust Company of Fayette |
|---|---|---|
| Texas Ratio | 0.76% | 2.29% |
| Non-Performing Loan Ratio | 0.00% | 0.36% |
| Non-Performing Asset Ratio | 0.00% | 0.24% |
| Net Charge-Off Ratio | 0.10% | 0.03% |
| ACL / Loans | 2.19% | 0.90% |
Balance sheet
| Metric | West Central Georgia Bank | Commercial Trust Company of Fayette |
|---|---|---|
| Total Assets | $164.1M | $163.8M |
| Total Deposits | $127.6M | $145.2M |
| Total Loans | $82.6M | $110.4M |
| Total Equity | $33.8M | $16.5M |
| Net Income (quarter) | $686K | $512K |
Liquidity & funding
| Metric | West Central Georgia Bank | Commercial Trust Company of Fayette |
|---|---|---|
| Loan-to-Deposit Ratio | 64.71% | 76.05% |
| Core Deposit Ratio | 95.52% | 92.33% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | West Central Georgia Bank | Commercial Trust Company of Fayette |
|---|---|---|
| Headquarters City | Thomaston | Fayette |
| Headquarters State | GA | MO |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 2 |
| Employees (FTE) | 26 | 29 |
| Established | April 15, 1974 | January 1, 1903 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of September 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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