Side-by-side · Q2 2026 data
Centennial Bank vs First National Bank of Hereford
Metric by metric
| Measure | Centennial Bank | First National Bank of Hereford |
|---|---|---|
| TellerScore | 79 | 84 (stronger) |
| Capital cushion | 76 (stronger) | 73 |
| Loan quality | 82 | 98 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 40 | 52 (stronger) |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 94th | 86th |
| Total assets | $24.6B | $344.6M |
| Deposits / shares | $19.6B | $294.4M |
| Capital ratio | 12.61% (stronger) | 12.32% |
| Problem loans | 0.55% | 0.05% (stronger) |
| Net charge-offs | 0.07% | 0.00% (stronger) |
| Return on assets | 2.13% | 2.20% (stronger) |
| Loans ÷ deposits | 85.4% (stronger) | 99.8% |
| Uninsured deposits | 46.7% | 22.8% (stronger) |
| Offices | 225 | 4 |
| CFPB complaints (3 yrs) | 55 | — |
| Complaints per $1B deposits | 2.8 | — |
| Mortgage denial rate (HMDA) | 23.4% | 18.6% |
First National Bank of Hereford has the higher TellerScore (84 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Centennial Bank leads on 2 and First National Bank of Hereford on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Amarillo, TX
- Hereford, TX