Side-by-side · Q2 2026 data
South Central Bank, Inc. vs Central Bank & Trust Co.
Metric by metric
| Measure | South Central Bank, Inc. | Central Bank & Trust Co. |
|---|---|---|
| TellerScore | 72 | 76 (stronger) |
| Capital cushion | 49 | 74 (stronger) |
| Loan quality | 90 | 93 (stronger) |
| Earnings | 76 (stronger) | 71 |
| Funding & liquidity | 65 (stronger) | 42 |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 66th | 80th |
| Total assets | $2.3B | $4.0B |
| Deposits / shares | $2.0B | $3.1B |
| Capital ratio | 9.88% | 12.42% (stronger) |
| Problem loans | 0.30% | 0.21% (stronger) |
| Net charge-offs | 0.00% | -0.04% (stronger) |
| Return on assets | 1.41% (stronger) | 1.27% |
| Loans ÷ deposits | 89.7% (stronger) | 95.7% |
| Uninsured deposits | 20.1% (stronger) | 35.1% |
| Offices | 26 | 29 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | 9.9% |
Central Bank & Trust Co. has the higher TellerScore (76 vs 72). On the 7 directional measures above (where higher or lower is clearly better), South Central Bank, Inc. leads on 3 and Central Bank & Trust Co. on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.