Side-by-side · Q2 2026 data
Central Savings Bank vs Commercial Bank
Metric by metric
| Measure | Central Savings Bank | Commercial Bank |
|---|---|---|
| TellerScore | 74 | 75 (stronger) |
| Capital cushion | 45 | 59 (stronger) |
| Loan quality | 95 (stronger) | 87 |
| Earnings | 100 (stronger) | 71 |
| Funding & liquidity | 49 | 76 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 57th | 61st |
| Total assets | $516.8M | $552.7M |
| Deposits / shares | $447.4M | $475.2M |
| Capital ratio | 9.54% | 10.89% (stronger) |
| Problem loans | 0.16% (stronger) | 0.39% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 2.04% (stronger) | 1.28% |
| Loans ÷ deposits | 76.8% | 76.5% (stronger) |
| Uninsured deposits | 45.6% | 22.0% (stronger) |
| Offices | 9 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 43.2% |
Commercial Bank has the higher TellerScore (75 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Central Savings Bank leads on 3 and Commercial Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.