Side-by-side · Q2 2026 data
Central Bank & Trust Co. vs Whitaker Bank
Metric by metric
| Measure | Central Bank & Trust Co. | Whitaker Bank |
|---|---|---|
| TellerScore | 76 | 84 (stronger) |
| Capital cushion | 74 | 79 (stronger) |
| Loan quality | 93 | 93 |
| Earnings | 71 | 77 (stronger) |
| Funding & liquidity | 42 | 80 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 80th | 95th |
| Total assets | $4.0B | $1.9B |
| Deposits / shares | $3.1B | $1.6B |
| Capital ratio | 12.42% | 12.89% (stronger) |
| Problem loans | 0.21% (stronger) | 0.21% |
| Net charge-offs | -0.04% (stronger) | 0.06% |
| Return on assets | 1.27% | 1.42% (stronger) |
| Loans ÷ deposits | 95.7% | 67.3% (stronger) |
| Uninsured deposits | 35.1% | 26.8% (stronger) |
| Offices | 29 | 44 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | — |
Whitaker Bank has the higher TellerScore (84 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Central Bank & Trust Co. leads on 2 and Whitaker Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.