Side-by-side · Q2 2026 data
Century Bank of the Ozarks vs St. Johns Bank and Trust Company
Metric by metric
| Measure | Century Bank of the Ozarks | St. Johns Bank and Trust Company |
|---|---|---|
| TellerScore | 74 (stronger) | 47 |
| Capital cushion | 38 | 73 (stronger) |
| Loan quality | 94 (stronger) | 0 |
| Earnings | 97 (stronger) | 42 |
| Funding & liquidity | 68 | 75 (stronger) |
| Problem-loan coverage | 97 (stronger) | 53 |
| Peer percentile | 57th | 5th |
| Total assets | $305.3M | $297.1M |
| Deposits / shares | $273.1M | $260.1M |
| Capital ratio | 8.84% | 12.27% (stronger) |
| Problem loans | 0.19% (stronger) | 3.28% |
| Net charge-offs | -0.06% (stronger) | 0.04% |
| Return on assets | 1.92% (stronger) | 0.55% |
| Loans ÷ deposits | 92.7% | 84.3% (stronger) |
| Uninsured deposits | 10.5% (stronger) | 15.7% |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.3% |
Century Bank of the Ozarks has the higher TellerScore (74 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Century Bank of the Ozarks leads on 5 and St. Johns Bank and Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.