Side-by-side · Q2 2026 data
Manufacturers Bank & Trust Company vs First Central State Bank
Metric by metric
| Measure | Manufacturers Bank & Trust Company | First Central State Bank |
|---|---|---|
| TellerScore | 68 | 83 (stronger) |
| Capital cushion | 54 | 84 (stronger) |
| Loan quality | 69 | 93 (stronger) |
| Earnings | 73 | 77 (stronger) |
| Funding & liquidity | 75 (stronger) | 65 |
| Problem-loan coverage | 89 | 97 (stronger) |
| Peer percentile | 37th | 84th |
| Total assets | $738.2M | $772.4M |
| Deposits / shares | $640.4M | $595.4M |
| Capital ratio | 10.44% | 13.39% (stronger) |
| Problem loans | 0.94% | 0.21% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 1.31% | 1.43% (stronger) |
| Loans ÷ deposits | 79.3% (stronger) | 82.4% |
| Uninsured deposits | 19.9% (stronger) | 26.7% |
| Offices | 9 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.2% | 9.1% |
First Central State Bank has the higher TellerScore (83 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Manufacturers Bank & Trust Company leads on 3 and First Central State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.