Side-by-side · Q2 2026 data
Century Bank and Trust vs Citizens National Bank of Cheboygan
Metric by metric
| Measure | Century Bank and Trust | Citizens National Bank of Cheboygan |
|---|---|---|
| TellerScore | 86 (stronger) | 53 |
| Capital cushion | 96 (stronger) | 35 |
| Loan quality | 78 (stronger) | 51 |
| Earnings | 94 (stronger) | 49 |
| Funding & liquidity | 67 | 87 (stronger) |
| Problem-loan coverage | 93 (stronger) | 68 |
| Peer percentile | 90th | 9th |
| Total assets | $494.0M | $471.0M |
| Deposits / shares | $419.0M | $435.8M |
| Capital ratio | 14.59% (stronger) | 8.49% |
| Problem loans | 0.66% (stronger) | 1.47% |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.85% (stronger) | 0.73% |
| Loans ÷ deposits | 64.0% | 60.8% (stronger) |
| Uninsured deposits | 40.9% | 26.2% (stronger) |
| Offices | 6 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Century Bank and Trust has the higher TellerScore (86 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Century Bank and Trust leads on 4 and Citizens National Bank of Cheboygan on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.