Side-by-side · Q2 2026 data
National Bank & Trust vs Columbus State Bank
Metric by metric
| Measure | National Bank & Trust | Columbus State Bank |
|---|---|---|
| TellerScore | 72 | 86 (stronger) |
| Capital cushion | 58 | 95 (stronger) |
| Loan quality | 94 | 100 (stronger) |
| Earnings | 37 | 57 (stronger) |
| Funding & liquidity | 90 (stronger) | 76 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 50th | 90th |
| Total assets | $242.0M | $326.5M |
| Deposits / shares | $203.5M | $281.0M |
| Capital ratio | 10.83% | 14.47% (stronger) |
| Problem loans | 0.17% | 0.00% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 0.43% | 0.93% (stronger) |
| Loans ÷ deposits | 65.2% | 7.8% (stronger) |
| Uninsured deposits | 19.8% (stronger) | 37.3% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Columbus State Bank has the higher TellerScore (86 vs 72). On the 7 directional measures above (where higher or lower is clearly better), National Bank & Trust leads on 1 and Columbus State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.