Side-by-side · Q2 2026 data
Central State Bank vs MidSouth Bank
Metric by metric
| Measure | Central State Bank | MidSouth Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 66 |
| Capital cushion | 40 | 43 (stronger) |
| Loan quality | 95 (stronger) | 91 |
| Earnings | 100 (stronger) | 53 |
| Funding & liquidity | 55 | 69 (stronger) |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 57th | 31st |
| Total assets | $890.7M | $771.5M |
| Deposits / shares | $810.3M | $702.8M |
| Capital ratio | 8.98% | 9.30% (stronger) |
| Problem loans | 0.16% (stronger) | 0.28% |
| Net charge-offs | 0.22% | 0.01% (stronger) |
| Return on assets | 2.01% (stronger) | 0.82% |
| Loans ÷ deposits | 68.0% | 62.6% (stronger) |
| Uninsured deposits | 48.5% | 40.9% (stronger) |
| Offices | 7 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Central State Bank has the higher TellerScore (74 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Central State Bank leads on 3 and MidSouth Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.