Side-by-side · Q2 2026 data
Central Savings Bank vs Citizens National Bank of Cheboygan
Metric by metric
| Measure | Central Savings Bank | Citizens National Bank of Cheboygan |
|---|---|---|
| TellerScore | 74 (stronger) | 53 |
| Capital cushion | 45 (stronger) | 35 |
| Loan quality | 95 (stronger) | 51 |
| Earnings | 100 (stronger) | 49 |
| Funding & liquidity | 49 | 87 (stronger) |
| Problem-loan coverage | 98 (stronger) | 68 |
| Peer percentile | 57th | 9th |
| Total assets | $516.8M | $471.0M |
| Deposits / shares | $447.4M | $435.8M |
| Capital ratio | 9.54% (stronger) | 8.49% |
| Problem loans | 0.16% (stronger) | 1.47% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 2.04% (stronger) | 0.73% |
| Loans ÷ deposits | 76.8% | 60.8% (stronger) |
| Uninsured deposits | 45.6% | 26.2% (stronger) |
| Offices | 9 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Central Savings Bank has the higher TellerScore (74 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Central Savings Bank leads on 5 and Citizens National Bank of Cheboygan on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.