Side-by-side · Q2 2026 data
Central State Bank vs State Bank of Whittington
Metric by metric
| Measure | Central State Bank | State Bank of Whittington |
|---|---|---|
| TellerScore | 70 (stronger) | 51 |
| Capital cushion | 100 (stronger) | 65 |
| Loan quality | 0 | 0 |
| Earnings | 100 (stronger) | 69 |
| Funding & liquidity | 81 | 85 (stronger) |
| Problem-loan coverage | 77 (stronger) | 47 |
| Peer percentile | 43rd | 8th |
| Total assets | $175.1M | $180.1M |
| Deposits / shares | $143.2M | $159.7M |
| Capital ratio | 17.92% (stronger) | 11.55% |
| Problem loans | 3.07% (stronger) | 4.43% |
| Net charge-offs | 0.02% (stronger) | 0.33% |
| Return on assets | 2.94% (stronger) | 1.22% |
| Loans ÷ deposits | 78.9% | 75.3% (stronger) |
| Uninsured deposits | 3.0% (stronger) | 13.5% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Central State Bank has the higher TellerScore (70 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Central State Bank leads on 6 and State Bank of Whittington on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.