Side-by-side · Q2 2026 data
Central National Bank vs Rio Bank
Metric by metric
| Measure | Central National Bank | Rio Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 66 |
| Capital cushion | 49 | 50 (stronger) |
| Loan quality | 96 (stronger) | 82 |
| Earnings | 100 (stronger) | 56 |
| Funding & liquidity | 38 | 66 (stronger) |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 74th | 40th |
| Total assets | $1.5B | $1.4B |
| Deposits / shares | $1.3B | $1.2B |
| Capital ratio | 9.94% | 10.03% (stronger) |
| Problem loans | 0.11% (stronger) | 0.53% |
| Net charge-offs | 0.03% (stronger) | 0.14% |
| Return on assets | 2.01% (stronger) | 0.91% |
| Loans ÷ deposits | 91.0% | 70.8% (stronger) |
| Uninsured deposits | 43.6% | 35.5% (stronger) |
| Offices | 5 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.0% | 7.0% |
Central National Bank has the higher TellerScore (74 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Central National Bank leads on 4 and Rio Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.