Side-by-side · Q2 2026 data
Generations Bank vs Centennial Bank
Metric by metric
| Measure | Generations Bank | Centennial Bank |
|---|---|---|
| TellerScore | 63 | 79 (stronger) |
| Capital cushion | 65 | 76 (stronger) |
| Loan quality | 50 | 82 (stronger) |
| Earnings | 68 | 100 (stronger) |
| Funding & liquidity | 58 (stronger) | 40 |
| Problem-loan coverage | 82 | 94 (stronger) |
| Peer percentile | 30th | 94th |
| Total assets | $1.1B | $24.6B |
| Deposits / shares | $935.6M | $19.6B |
| Capital ratio | 11.51% | 12.61% (stronger) |
| Problem loans | 1.51% | 0.55% (stronger) |
| Net charge-offs | 1.31% | 0.07% (stronger) |
| Return on assets | 1.19% | 2.13% (stronger) |
| Loans ÷ deposits | 81.2% (stronger) | 85.4% |
| Uninsured deposits | 33.7% (stronger) | 46.7% |
| Offices | 11 | 225 |
| CFPB complaints (3 yrs) | — | 55 |
| Complaints per $1B deposits | — | 2.8 |
| Mortgage denial rate (HMDA) | 9.9% | 23.4% |
Centennial Bank has the higher TellerScore (79 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Generations Bank leads on 2 and Centennial Bank on 5. 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.