Side-by-side · Q2 2026 data
Central State Bank vs GNB Bank
Metric by metric
| Measure | Central State Bank | GNB Bank |
|---|---|---|
| TellerScore | 55 | 76 (stronger) |
| Capital cushion | 54 | 72 (stronger) |
| Loan quality | 53 | 79 (stronger) |
| Earnings | 55 | 87 (stronger) |
| Funding & liquidity | 48 | 51 (stronger) |
| Problem-loan coverage | 78 | 94 (stronger) |
| Peer percentile | 11th | 64th |
| Total assets | $557.8M | $621.3M |
| Deposits / shares | $465.9M | $498.0M |
| Capital ratio | 10.43% | 12.22% (stronger) |
| Problem loans | 1.42% | 0.62% (stronger) |
| Net charge-offs | -0.00% (stronger) | -0.00% |
| Return on assets | 0.88% | 1.68% (stronger) |
| Loans ÷ deposits | 94.7% | 88.5% (stronger) |
| Uninsured deposits | 31.0% (stronger) | 34.1% |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.1% | 6.1% |
GNB 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 2 and GNB Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.