Side-by-side · Q2 2026 data
Central State Bank vs Peoples State Bank
Metric by metric
| Measure | Central State Bank | Peoples State Bank |
|---|---|---|
| TellerScore | 76 | 80 (stronger) |
| Capital cushion | 53 | 65 (stronger) |
| Loan quality | 99 (stronger) | 93 |
| Earnings | 89 (stronger) | 79 |
| Funding & liquidity | 49 | 78 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 64th | 77th |
| Total assets | $419.3M | $993.0M |
| Deposits / shares | $344.4M | $810.8M |
| Capital ratio | 10.27% | 11.54% (stronger) |
| Problem loans | 0.02% (stronger) | 0.21% |
| Net charge-offs | 0.00% | -0.04% (stronger) |
| Return on assets | 1.73% (stronger) | 1.47% |
| Loans ÷ deposits | 93.9% | 78.6% (stronger) |
| Uninsured deposits | 30.7% | 18.1% (stronger) |
| Offices | 6 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 6.2% |
Peoples State Bank has the higher TellerScore (80 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Central State Bank leads on 2 and Peoples State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.