Side-by-side · Q2 2026 data
Seacoast National Bank vs Centennial Bank
Metric by metric
| Measure | Seacoast National Bank | Centennial Bank |
|---|---|---|
| TellerScore | 63 | 79 (stronger) |
| Capital cushion | 48 | 76 (stronger) |
| Loan quality | 78 | 82 (stronger) |
| Earnings | 55 | 100 (stronger) |
| Funding & liquidity | 59 (stronger) | 40 |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 39th | 94th |
| Total assets | $21.3B | $24.6B |
| Deposits / shares | $16.8B | $19.6B |
| Capital ratio | 9.84% | 12.61% (stronger) |
| Problem loans | 0.66% | 0.55% (stronger) |
| Net charge-offs | 0.10% | 0.07% (stronger) |
| Return on assets | 0.88% | 2.13% (stronger) |
| Loans ÷ deposits | 77.3% (stronger) | 85.4% |
| Uninsured deposits | 36.3% (stronger) | 46.7% |
| Offices | 104 | 225 |
| CFPB complaints (3 yrs) | — | 55 |
| Complaints per $1B deposits | — | 2.8 |
| Mortgage denial rate (HMDA) | 35.3% | 23.4% |
Centennial Bank has the higher TellerScore (79 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Seacoast National Bank leads on 2 and Centennial Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.