Side-by-side · Q2 2026 data
Peoples Bank and Trust Company vs Central National Bank
Metric by metric
| Measure | Peoples Bank and Trust Company | Central National Bank |
|---|---|---|
| TellerScore | 61 | 78 (stronger) |
| Capital cushion | 43 | 60 (stronger) |
| Loan quality | 69 | 100 (stronger) |
| Earnings | 53 | 73 (stronger) |
| Funding & liquidity | 74 (stronger) | 66 |
| Problem-loan coverage | 87 | 100 (stronger) |
| Peer percentile | 24th | 86th |
| Total assets | $1.6B | $1.4B |
| Deposits / shares | $1.4B | $1.2B |
| Capital ratio | 9.27% | 11.00% (stronger) |
| Problem loans | 0.92% | 0.01% (stronger) |
| Net charge-offs | 0.61% | 0.15% (stronger) |
| Return on assets | 0.84% | 1.33% (stronger) |
| Loans ÷ deposits | 75.7% | 65.5% (stronger) |
| Uninsured deposits | 24.8% (stronger) | 40.5% |
| Offices | 21 | 29 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | 12.5% |
Central National Bank has the higher TellerScore (78 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank and Trust Company leads on 1 and Central National Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.