Side-by-side · Q2 2026 data
Central National Bank vs Elk State Bank
Metric by metric
| Measure | Central National Bank | Elk State Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 68 |
| Capital cushion | 60 (stronger) | 32 |
| Loan quality | 100 | 100 |
| Earnings | 73 (stronger) | 48 |
| Funding & liquidity | 66 | 90 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 86th | 37th |
| Total assets | $1.4B | $138.7M |
| Deposits / shares | $1.2B | $109.0M |
| Capital ratio | 11.00% (stronger) | 8.25% |
| Problem loans | 0.01% | 0.00% (stronger) |
| Net charge-offs | 0.15% | -0.00% (stronger) |
| Return on assets | 1.33% (stronger) | 0.70% |
| Loans ÷ deposits | 65.5% (stronger) | 70.4% |
| Uninsured deposits | 40.5% | 5.6% (stronger) |
| Offices | 29 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | — |
Central National Bank has the higher TellerScore (78 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Central National Bank leads on 4 and Elk State Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Concordia, KS