Side-by-side · Q2 2026 data
Preferred Bank vs Chillicothe State Bank
Metric by metric
| Measure | Preferred Bank | Chillicothe State Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 64 |
| Capital cushion | 26 | 29 (stronger) |
| Loan quality | 94 (stronger) | 76 |
| Earnings | 70 | 70 |
| Funding & liquidity | 93 (stronger) | 84 |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 40th | 26th |
| Total assets | $134.5M | $135.2M |
| Deposits / shares | $126.2M | $122.7M |
| Capital ratio | 7.56% | 7.89% (stronger) |
| Problem loans | 0.18% (stronger) | 0.72% |
| Net charge-offs | 0.02% | -0.01% (stronger) |
| Return on assets | 1.24% (stronger) | 1.24% |
| Loans ÷ deposits | 49.1% (stronger) | 60.6% |
| Uninsured deposits | 21.6% (stronger) | 29.3% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.6% | — |
Preferred Bank has the higher TellerScore (69 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Preferred Bank leads on 5 and Chillicothe State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.