Side-by-side · Q2 2026 data
Herring Bank vs Centennial Bank
Metric by metric
| Measure | Herring Bank | Centennial Bank |
|---|---|---|
| TellerScore | 66 | 79 (stronger) |
| Capital cushion | 72 | 76 (stronger) |
| Loan quality | 82 | 82 |
| Earnings | 26 | 100 (stronger) |
| Funding & liquidity | 67 (stronger) | 40 |
| Problem-loan coverage | 91 | 94 (stronger) |
| Peer percentile | 31st | 94th |
| Total assets | $540.5M | $24.6B |
| Deposits / shares | $477.0M | $19.6B |
| Capital ratio | 12.20% | 12.61% (stronger) |
| Problem loans | 0.55% | 0.55% (stronger) |
| Net charge-offs | 0.32% | 0.07% (stronger) |
| Return on assets | 0.15% | 2.13% (stronger) |
| Loans ÷ deposits | 76.7% (stronger) | 85.4% |
| Uninsured deposits | 30.5% (stronger) | 46.7% |
| Offices | 10 | 225 |
| CFPB complaints (3 yrs) | — | 55 |
| Complaints per $1B deposits | — | 2.8 |
| Mortgage denial rate (HMDA) | 3.0% | 23.4% |
Centennial Bank has the higher TellerScore (79 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Herring 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.