Side-by-side · Q2 2026 data
Centennial Bank vs Security Bank and Trust Company
Metric by metric
| Measure | Centennial Bank | Security Bank and Trust Company |
|---|---|---|
| TellerScore | 59 | 79 (stronger) |
| Capital cushion | 48 | 59 (stronger) |
| Loan quality | 58 | 99 (stronger) |
| Earnings | 59 | 85 (stronger) |
| Funding & liquidity | 69 (stronger) | 62 |
| Problem-loan coverage | 83 | 100 (stronger) |
| Peer percentile | 19th | 88th |
| Total assets | $1.1B | $1.7B |
| Deposits / shares | $940.1M | $1.4B |
| Capital ratio | 9.82% | 10.92% (stronger) |
| Problem loans | 1.26% | 0.02% (stronger) |
| Net charge-offs | 0.19% | 0.01% (stronger) |
| Return on assets | 0.98% | 1.61% (stronger) |
| Loans ÷ deposits | 78.5% (stronger) | 83.8% |
| Uninsured deposits | 26.2% (stronger) | 27.5% |
| Offices | 14 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.7% | 7.5% |
Security Bank and Trust Company has the higher TellerScore (79 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Centennial Bank leads on 2 and Security Bank and Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Jackson, TN
- Humboldt, TN
- Trenton, TN