Side-by-side · Q2 2026 data
Central Savings Bank vs 1st State Bank
Metric by metric
| Measure | Central Savings Bank | 1st State Bank |
|---|---|---|
| TellerScore | 74 | 76 (stronger) |
| Capital cushion | 45 | 73 (stronger) |
| Loan quality | 95 (stronger) | 88 |
| Earnings | 100 (stronger) | 74 |
| Funding & liquidity | 49 | 55 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 57th | 64th |
| Total assets | $516.8M | $490.1M |
| Deposits / shares | $447.4M | $428.8M |
| Capital ratio | 9.54% | 12.27% (stronger) |
| Problem loans | 0.16% (stronger) | 0.35% |
| Net charge-offs | 0.00% (stronger) | 0.22% |
| Return on assets | 2.04% (stronger) | 1.35% |
| Loans ÷ deposits | 76.8% | 74.2% (stronger) |
| Uninsured deposits | 45.6% | 43.4% (stronger) |
| Offices | 9 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
1st State Bank has the higher TellerScore (76 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Central Savings Bank leads on 3 and 1st State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.