Side-by-side · Q2 2026 data
Central Bank vs Southwestern National Bank
Metric by metric
| Measure | Central Bank | Southwestern National Bank |
|---|---|---|
| TellerScore | 70 | 73 (stronger) |
| Capital cushion | 51 | 74 (stronger) |
| Loan quality | 82 | 86 (stronger) |
| Earnings | 95 (stronger) | 78 |
| Funding & liquidity | 45 (stronger) | 30 |
| Problem-loan coverage | 89 | 95 (stronger) |
| Peer percentile | 58th | 70th |
| Total assets | $1.4B | $1.4B |
| Deposits / shares | $1.3B | $1.2B |
| Capital ratio | 10.07% | 12.41% (stronger) |
| Problem loans | 0.54% | 0.42% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.13% |
| Return on assets | 1.87% (stronger) | 1.46% |
| Loans ÷ deposits | 85.6% (stronger) | 96.4% |
| Uninsured deposits | 41.6% (stronger) | 45.6% |
| Offices | 4 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.0% | 3.9% |
Southwestern National Bank has the higher TellerScore (73 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Central Bank leads on 4 and Southwestern National Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.