Side-by-side · Q2 2026 data
Century Bank and Trust vs First State Bank of Middlebury
Metric by metric
| Measure | Century Bank and Trust | First State Bank of Middlebury |
|---|---|---|
| TellerScore | 86 (stronger) | 67 |
| Capital cushion | 96 (stronger) | 84 |
| Loan quality | 78 (stronger) | 48 |
| Earnings | 94 (stronger) | 84 |
| Funding & liquidity | 67 (stronger) | 35 |
| Problem-loan coverage | 93 (stronger) | 81 |
| Peer percentile | 90th | 34th |
| Total assets | $494.0M | $836.2M |
| Deposits / shares | $419.0M | $651.3M |
| Capital ratio | 14.59% (stronger) | 13.37% |
| Problem loans | 0.66% (stronger) | 1.55% |
| Net charge-offs | 0.04% | -0.00% (stronger) |
| Return on assets | 1.85% (stronger) | 1.59% |
| Loans ÷ deposits | 64.0% (stronger) | 99.5% |
| Uninsured deposits | 40.9% | 37.8% (stronger) |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.7% |
Century Bank and Trust has the higher TellerScore (86 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Century Bank and Trust leads on 5 and First State Bank of Middlebury on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.