Side-by-side · Q2 2026 data
Citizens Bank and Trust vs Centennial Bank
Metric by metric
| Measure | Citizens Bank and Trust | Centennial Bank |
|---|---|---|
| TellerScore | 67 | 79 (stronger) |
| Capital cushion | 30 | 76 (stronger) |
| Loan quality | 88 (stronger) | 82 |
| Earnings | 77 | 100 (stronger) |
| Funding & liquidity | 79 (stronger) | 40 |
| Problem-loan coverage | 91 | 94 (stronger) |
| Peer percentile | 44th | 94th |
| Total assets | $1.5B | $24.6B |
| Deposits / shares | $1.4B | $19.6B |
| Capital ratio | 8.04% | 12.61% (stronger) |
| Problem loans | 0.35% (stronger) | 0.55% |
| Net charge-offs | 0.06% (stronger) | 0.07% |
| Return on assets | 1.43% | 2.13% (stronger) |
| Loans ÷ deposits | 62.6% (stronger) | 85.4% |
| Uninsured deposits | 31.5% (stronger) | 46.7% |
| Offices | 16 | 225 |
| CFPB complaints (3 yrs) | — | 55 |
| Complaints per $1B deposits | — | 2.8 |
| Mortgage denial rate (HMDA) | 14.7% | 23.4% |
Centennial Bank has the higher TellerScore (79 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank and Trust leads on 4 and Centennial Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.