Side-by-side · Q2 2026 data
Central National Bank vs Southwestern National Bank
Metric by metric
| Measure | Central National Bank | Southwestern National Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 73 |
| Capital cushion | 49 | 74 (stronger) |
| Loan quality | 96 (stronger) | 86 |
| Earnings | 100 (stronger) | 78 |
| Funding & liquidity | 38 (stronger) | 30 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 74th | 70th |
| Total assets | $1.5B | $1.4B |
| Deposits / shares | $1.3B | $1.2B |
| Capital ratio | 9.94% | 12.41% (stronger) |
| Problem loans | 0.11% (stronger) | 0.42% |
| Net charge-offs | 0.03% (stronger) | 0.13% |
| Return on assets | 2.01% (stronger) | 1.46% |
| Loans ÷ deposits | 91.0% (stronger) | 96.4% |
| Uninsured deposits | 43.6% (stronger) | 45.6% |
| Offices | 5 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.0% | 3.9% |
Central National Bank has the higher TellerScore (74 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Central National Bank leads on 6 and Southwestern National Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.