Side-by-side · Q2 2026 data
Central State Bank vs First Community Bank of Central Alabama
Metric by metric
| Measure | Central State Bank | First Community Bank of Central Alabama |
|---|---|---|
| TellerScore | 74 | 74 |
| Capital cushion | 40 (stronger) | 36 |
| Loan quality | 95 | 97 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 55 | 61 (stronger) |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 57th | 57th |
| Total assets | $890.7M | $694.3M |
| Deposits / shares | $810.3M | $638.3M |
| Capital ratio | 8.98% (stronger) | 8.57% |
| Problem loans | 0.16% | 0.10% (stronger) |
| Net charge-offs | 0.22% | 0.02% (stronger) |
| Return on assets | 2.01% | 2.44% (stronger) |
| Loans ÷ deposits | 68.0% (stronger) | 77.7% |
| Uninsured deposits | 48.5% | 34.6% (stronger) |
| Offices | 7 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Central State Bank leads on 2 and First Community Bank of Central Alabama on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.