Side-by-side · Q2 2026 data
Centennial Bank vs Thread Bank
Metric by metric
| Measure | Centennial Bank | Thread Bank |
|---|---|---|
| TellerScore | 59 | 71 (stronger) |
| Capital cushion | 48 | 48 |
| Loan quality | 58 | 94 (stronger) |
| Earnings | 59 (stronger) | 43 |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 83 | 98 (stronger) |
| Peer percentile | 19th | 63rd |
| Total assets | $1.1B | $1.1B |
| Deposits / shares | $940.1M | $1.0B |
| Capital ratio | 9.82% (stronger) | 9.75% |
| Problem loans | 1.26% | 0.18% (stronger) |
| Net charge-offs | 0.19% (stronger) | 0.47% |
| Return on assets | 0.98% (stronger) | 0.58% |
| Loans ÷ deposits | 78.5% | 41.6% (stronger) |
| Uninsured deposits | 26.2% | 11.0% (stronger) |
| Offices | 14 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.7% | — |
Thread Bank has the higher TellerScore (71 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Centennial Bank leads on 3 and Thread Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.