Side-by-side · Q2 2026 data
Centennial Bank vs First State Bank
Metric by metric
| Measure | Centennial Bank | First State Bank |
|---|---|---|
| TellerScore | 79 | 88 (stronger) |
| Capital cushion | 76 | 76 |
| Loan quality | 82 | 100 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 40 | 70 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 94th | 92nd |
| Total assets | $24.6B | $371.9M |
| Deposits / shares | $19.6B | $326.4M |
| Capital ratio | 12.61% (stronger) | 12.58% |
| Problem loans | 0.55% | 0.00% (stronger) |
| Net charge-offs | 0.07% | 0.00% (stronger) |
| Return on assets | 2.13% | 2.27% (stronger) |
| Loans ÷ deposits | 85.4% | 74.7% (stronger) |
| Uninsured deposits | 46.7% | 28.9% (stronger) |
| Offices | 225 | 3 |
| CFPB complaints (3 yrs) | 55 | — |
| Complaints per $1B deposits | 2.8 | — |
| Mortgage denial rate (HMDA) | 23.4% | — |
First State Bank has the higher TellerScore (88 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Centennial Bank leads on 1 and First State Bank on 6. 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
- Dalhart, TX
- Dumas, TX
- Stratford, TX