Side-by-side · Q2 2026 data
Centennial Bank vs First State Bank
Metric by metric
| Measure | Centennial Bank | First State Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 67 |
| Capital cushion | 76 (stronger) | 53 |
| Loan quality | 82 | 95 (stronger) |
| Earnings | 100 (stronger) | 41 |
| Funding & liquidity | 40 | 60 (stronger) |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 94th | 44th |
| Total assets | $24.6B | $1.2B |
| Deposits / shares | $19.6B | $1.1B |
| Capital ratio | 12.61% (stronger) | 10.32% |
| Problem loans | 0.55% | 0.15% (stronger) |
| Net charge-offs | 0.07% | -0.06% (stronger) |
| Return on assets | 2.13% (stronger) | 0.52% |
| Loans ÷ deposits | 85.4% | 74.5% (stronger) |
| Uninsured deposits | 46.7% | 38.0% (stronger) |
| Offices | 225 | 8 |
| CFPB complaints (3 yrs) | 55 | — |
| Complaints per $1B deposits | 2.8 | — |
| Mortgage denial rate (HMDA) | 23.4% | — |
Centennial Bank has the higher TellerScore (79 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Centennial Bank leads on 3 and First State Bank on 4. 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
- Key West, FL
- Key Largo, FL
- Marathon, FL
- Big Pine Key, FL
- Islamorada, FL