Side-by-side · Q2 2026 data
Central National Bank vs Bank of Hays
Metric by metric
| Measure | Central National Bank | Bank of Hays |
|---|---|---|
| TellerScore | 78 (stronger) | 75 |
| Capital cushion | 60 (stronger) | 50 |
| Loan quality | 100 (stronger) | 84 |
| Earnings | 73 | 81 (stronger) |
| Funding & liquidity | 66 | 86 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 86th | 61st |
| Total assets | $1.4B | $379.2M |
| Deposits / shares | $1.2B | $338.0M |
| Capital ratio | 11.00% (stronger) | 9.97% |
| Problem loans | 0.01% (stronger) | 0.47% |
| Net charge-offs | 0.15% | -0.00% (stronger) |
| Return on assets | 1.33% | 1.53% (stronger) |
| Loans ÷ deposits | 65.5% | 56.8% (stronger) |
| Uninsured deposits | 40.5% | 27.9% (stronger) |
| Offices | 29 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | — |
Central National Bank has the higher TellerScore (78 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Central National Bank leads on 3 and Bank of Hays on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.