Side-by-side · Q2 2026 data
Central State Bank vs Community State Bank
Metric by metric
| Measure | Central State Bank | Community State Bank |
|---|---|---|
| TellerScore | 55 | 76 (stronger) |
| Capital cushion | 54 | 67 (stronger) |
| Loan quality | 53 | 94 (stronger) |
| Earnings | 55 | 74 (stronger) |
| Funding & liquidity | 48 | 52 (stronger) |
| Problem-loan coverage | 78 | 98 (stronger) |
| Peer percentile | 11th | 80th |
| Total assets | $557.8M | $1.7B |
| Deposits / shares | $465.9M | $1.3B |
| Capital ratio | 10.43% | 11.67% (stronger) |
| Problem loans | 1.42% | 0.19% (stronger) |
| Net charge-offs | -0.00% | -0.01% (stronger) |
| Return on assets | 0.88% | 1.34% (stronger) |
| Loans ÷ deposits | 94.7% (stronger) | 101.2% |
| Uninsured deposits | 31.0% | 21.7% (stronger) |
| Offices | 3 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.1% | 5.6% |
Community State Bank has the higher TellerScore (76 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Central State Bank leads on 1 and Community State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.