Side-by-side · Q2 2026 data
Century Bank and Trust vs Citizens Bank of the South
Metric by metric
| Measure | Century Bank and Trust | Citizens Bank of the South |
|---|---|---|
| TellerScore | 87 (stronger) | 76 |
| Capital cushion | 68 | 69 (stronger) |
| Loan quality | 98 (stronger) | 85 |
| Earnings | 98 (stronger) | 83 |
| Funding & liquidity | 83 (stronger) | 56 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 91st | 64th |
| Total assets | $490.7M | $395.1M |
| Deposits / shares | $435.3M | $345.6M |
| Capital ratio | 11.79% | 11.94% (stronger) |
| Problem loans | 0.07% (stronger) | 0.45% |
| Net charge-offs | -0.01% (stronger) | 0.04% |
| Return on assets | 1.94% (stronger) | 1.58% |
| Loans ÷ deposits | 61.6% (stronger) | 86.8% |
| Uninsured deposits | 28.9% (stronger) | 30.8% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Century Bank and Trust has the higher TellerScore (87 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Century Bank and Trust leads on 6 and Citizens Bank of the South on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.