Side-by-side · Q2 2026 data
First Security Bank and Trust Company vs Central State Bank
Metric by metric
| Measure | First Security Bank and Trust Company | Central State Bank |
|---|---|---|
| TellerScore | 68 (stronger) | 55 |
| Capital cushion | 50 | 54 (stronger) |
| Loan quality | 91 (stronger) | 53 |
| Earnings | 42 | 55 (stronger) |
| Funding & liquidity | 80 (stronger) | 48 |
| Problem-loan coverage | 97 (stronger) | 78 |
| Peer percentile | 37th | 11th |
| Total assets | $538.2M | $557.8M |
| Deposits / shares | $469.0M | $465.9M |
| Capital ratio | 10.03% | 10.43% (stronger) |
| Problem loans | 0.27% (stronger) | 1.42% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 0.56% | 0.88% (stronger) |
| Loans ÷ deposits | 73.1% (stronger) | 94.7% |
| Uninsured deposits | 21.7% (stronger) | 31.0% |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.1% |
First Security Bank and Trust Company has the higher TellerScore (68 vs 55). On the 7 directional measures above (where higher or lower is clearly better), First Security Bank and Trust Company leads on 4 and Central State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.