Side-by-side · Q2 2026 data
Century Bank and Trust vs Lake-Osceola State Bank
Metric by metric
| Measure | Century Bank and Trust | Lake-Osceola State Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 85 |
| Capital cushion | 96 (stronger) | 75 |
| Loan quality | 78 | 92 (stronger) |
| Earnings | 94 (stronger) | 84 |
| Funding & liquidity | 67 | 87 (stronger) |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 90th | 88th |
| Total assets | $494.0M | $469.4M |
| Deposits / shares | $419.0M | $403.4M |
| Capital ratio | 14.59% (stronger) | 12.53% |
| Problem loans | 0.66% | 0.24% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.16% |
| Return on assets | 1.85% (stronger) | 1.60% |
| Loans ÷ deposits | 64.0% | 62.4% (stronger) |
| Uninsured deposits | 40.9% | 24.8% (stronger) |
| Offices | 6 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Century Bank and Trust has the higher TellerScore (86 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Century Bank and Trust leads on 4 and Lake-Osceola State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.