Side-by-side · Q2 2026 data
Century Bank of the Ozarks vs Putnam County State Bank
Metric by metric
| Measure | Century Bank of the Ozarks | Putnam County State Bank |
|---|---|---|
| TellerScore | 74 | 80 (stronger) |
| Capital cushion | 38 | 85 (stronger) |
| Loan quality | 94 (stronger) | 79 |
| Earnings | 97 (stronger) | 90 |
| Funding & liquidity | 68 (stronger) | 47 |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 57th | 77th |
| Total assets | $305.3M | $317.6M |
| Deposits / shares | $273.1M | $273.7M |
| Capital ratio | 8.84% | 13.52% (stronger) |
| Problem loans | 0.19% (stronger) | 0.62% |
| Net charge-offs | -0.06% (stronger) | 0.00% |
| Return on assets | 1.92% (stronger) | 1.75% |
| Loans ÷ deposits | 92.7% | 85.1% (stronger) |
| Uninsured deposits | 10.5% (stronger) | 40.8% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Putnam County State Bank has the higher TellerScore (80 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Century Bank of the Ozarks leads on 4 and Putnam County State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.