Side-by-side · Q2 2026 data
Central Bank vs Stone Bank
Metric by metric
| Measure | Central Bank | Stone Bank |
|---|---|---|
| TellerScore | 34 | 60 (stronger) |
| Capital cushion | 44 (stronger) | 34 |
| Loan quality | 0 | 65 (stronger) |
| Earnings | 64 | 87 (stronger) |
| Funding & liquidity | 42 | 63 (stronger) |
| Problem-loan coverage | 14 | 66 (stronger) |
| Peer percentile | 1st | 19th |
| Total assets | $954.6M | $950.7M |
| Deposits / shares | $743.4M | $757.7M |
| Capital ratio | 9.37% (stronger) | 8.37% |
| Problem loans | 4.76% | 1.04% (stronger) |
| Net charge-offs | 0.68% | 0.27% (stronger) |
| Return on assets | 1.09% | 1.68% (stronger) |
| Loans ÷ deposits | 108.9% | 97.1% (stronger) |
| Uninsured deposits | 23.3% | 9.4% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.2% | 2.1% |
Stone Bank has the higher TellerScore (60 vs 34). On the 7 directional measures above (where higher or lower is clearly better), Central Bank leads on 1 and Stone Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.