Side-by-side · Q2 2026 data
Central Bank and Trust vs State Bank
Metric by metric
| Measure | Central Bank and Trust | State Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 67 |
| Capital cushion | 36 | 45 (stronger) |
| Loan quality | 100 (stronger) | 89 |
| Earnings | 100 (stronger) | 64 |
| Funding & liquidity | 80 (stronger) | 58 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 72nd | 34th |
| Total assets | $202.5M | $115.4M |
| Deposits / shares | $182.3M | $104.0M |
| Capital ratio | 8.56% | 9.54% (stronger) |
| Problem loans | 0.00% (stronger) | 0.34% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 2.19% (stronger) | 1.09% |
| Loans ÷ deposits | 60.9% (stronger) | 87.8% |
| Uninsured deposits | 32.4% | 27.7% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.2% | — |
Central Bank and Trust has the higher TellerScore (78 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Central Bank and Trust leads on 4 and State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.