Side-by-side · Q2 2026 data
Central Bank vs Locality Bank
Metric by metric
| Measure | Central Bank | Locality Bank |
|---|---|---|
| TellerScore | 63 (stronger) | 55 |
| Capital cushion | 41 | 79 (stronger) |
| Loan quality | 99 (stronger) | 48 |
| Earnings | 54 (stronger) | 32 |
| Funding & liquidity | 38 (stronger) | 31 |
| Problem-loan coverage | 99 (stronger) | 82 |
| Peer percentile | 24th | 11th |
| Total assets | $386.8M | $396.2M |
| Deposits / shares | $325.2M | $346.0M |
| Capital ratio | 9.11% | 12.91% (stronger) |
| Problem loans | 0.04% (stronger) | 1.55% |
| Net charge-offs | 0.13% (stronger) | 0.13% |
| Return on assets | 0.84% (stronger) | 0.29% |
| Loans ÷ deposits | 100.7% | 89.1% (stronger) |
| Uninsured deposits | 34.7% (stronger) | 51.3% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Central Bank has the higher TellerScore (63 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Central Bank leads on 5 and Locality Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.