Side-by-side · Q2 2026 data
Central State Bank vs Peoples Bank of Alabama
Metric by metric
| Measure | Central State Bank | Peoples Bank of Alabama |
|---|---|---|
| TellerScore | 74 | 76 (stronger) |
| Capital cushion | 40 | 62 (stronger) |
| Loan quality | 95 (stronger) | 81 |
| Earnings | 100 (stronger) | 97 |
| Funding & liquidity | 55 (stronger) | 54 |
| Problem-loan coverage | 96 (stronger) | 93 |
| Peer percentile | 57th | 80th |
| Total assets | $890.7M | $1.4B |
| Deposits / shares | $810.3M | $1.3B |
| Capital ratio | 8.98% | 11.19% (stronger) |
| Problem loans | 0.16% (stronger) | 0.56% |
| Net charge-offs | 0.22% | 0.09% (stronger) |
| Return on assets | 2.01% (stronger) | 1.93% |
| Loans ÷ deposits | 68.0% (stronger) | 71.5% |
| Uninsured deposits | 48.5% | 46.5% (stronger) |
| Offices | 7 | 28 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.4% |
Peoples Bank of Alabama has the higher TellerScore (76 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Central State Bank leads on 3 and Peoples Bank of Alabama on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.