Side-by-side · Q2 2026 data
First National Bank vs Centennial Bank
Metric by metric
| Measure | First National Bank | Centennial Bank |
|---|---|---|
| TellerScore | 71 | 79 (stronger) |
| Capital cushion | 61 | 76 (stronger) |
| Loan quality | 94 (stronger) | 82 |
| Earnings | 68 | 100 (stronger) |
| Funding & liquidity | 37 | 40 (stronger) |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 63rd | 94th |
| Total assets | $2.6B | $24.6B |
| Deposits / shares | $2.1B | $19.6B |
| Capital ratio | 11.12% | 12.61% (stronger) |
| Problem loans | 0.19% (stronger) | 0.55% |
| Net charge-offs | -0.01% (stronger) | 0.07% |
| Return on assets | 1.20% | 2.13% (stronger) |
| Loans ÷ deposits | 97.8% | 85.4% (stronger) |
| Uninsured deposits | 37.9% (stronger) | 46.7% |
| Offices | 23 | 225 |
| CFPB complaints (3 yrs) | — | 55 |
| Complaints per $1B deposits | — | 2.8 |
| Mortgage denial rate (HMDA) | 3.9% | 23.4% |
Centennial Bank has the higher TellerScore (79 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 3 and Centennial Bank on 4. 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.