Side-by-side · Q2 2026 data
KCB Bank vs Centera Bank
Metric by metric
| Measure | KCB Bank | Centera Bank |
|---|---|---|
| TellerScore | 73 | 78 (stronger) |
| Capital cushion | 76 (stronger) | 46 |
| Loan quality | 62 | 100 (stronger) |
| Earnings | 71 | 85 (stronger) |
| Funding & liquidity | 80 | 84 (stronger) |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 53rd | 72nd |
| Total assets | $322.3M | $318.1M |
| Deposits / shares | $283.5M | $290.5M |
| Capital ratio | 12.62% (stronger) | 9.59% |
| Problem loans | 1.15% | 0.01% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.02% |
| Return on assets | 1.27% | 1.63% (stronger) |
| Loans ÷ deposits | 68.2% | 51.2% (stronger) |
| Uninsured deposits | 26.4% (stronger) | 29.6% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Centera Bank has the higher TellerScore (78 vs 73). On the 7 directional measures above (where higher or lower is clearly better), KCB Bank leads on 3 and Centera Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.