Side-by-side · Q2 2026 data
Central State Bank vs Hardin County Savings Bank
Metric by metric
| Measure | Central State Bank | Hardin County Savings Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 62 |
| Capital cushion | 53 (stronger) | 48 |
| Loan quality | 99 (stronger) | 58 |
| Earnings | 89 (stronger) | 67 |
| Funding & liquidity | 49 | 79 (stronger) |
| Problem-loan coverage | 100 (stronger) | 74 |
| Peer percentile | 64th | 22nd |
| Total assets | $419.3M | $402.3M |
| Deposits / shares | $344.4M | $324.4M |
| Capital ratio | 10.27% (stronger) | 9.79% |
| Problem loans | 0.02% (stronger) | 1.25% |
| Net charge-offs | 0.00% (stronger) | 0.09% |
| Return on assets | 1.73% (stronger) | 1.17% |
| Loans ÷ deposits | 93.9% | 76.4% (stronger) |
| Uninsured deposits | 30.7% | 19.1% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Central State Bank has the higher TellerScore (76 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Central State Bank leads on 5 and Hardin County Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.