Side-by-side · Q2 2026 data
Central Bank vs Putnam 1st Mercantile Bank
Metric by metric
| Measure | Central Bank | Putnam 1st Mercantile Bank |
|---|---|---|
| TellerScore | 78 | 82 (stronger) |
| Capital cushion | 70 (stronger) | 67 |
| Loan quality | 100 (stronger) | 96 |
| Earnings | 50 | 97 (stronger) |
| Funding & liquidity | 79 (stronger) | 57 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 72nd | 82nd |
| Total assets | $160.2M | $178.9M |
| Deposits / shares | $141.1M | $159.8M |
| Capital ratio | 11.95% (stronger) | 11.72% |
| Problem loans | 0.00% (stronger) | 0.13% |
| Net charge-offs | 0.65% | 0.05% (stronger) |
| Return on assets | 0.75% | 1.93% (stronger) |
| Loans ÷ deposits | 80.8% (stronger) | 91.8% |
| Uninsured deposits | 15.0% (stronger) | 24.7% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Putnam 1st Mercantile Bank has the higher TellerScore (82 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Central Bank leads on 4 and Putnam 1st Mercantile Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.