Side-by-side · Q2 2026 data
Spencer County Bank vs CentreBank
Metric by metric
| Measure | Spencer County Bank | CentreBank |
|---|---|---|
| TellerScore | 58 | 90 (stronger) |
| Capital cushion | 96 | 100 (stronger) |
| Loan quality | 0 | 89 (stronger) |
| Earnings | 51 | 94 (stronger) |
| Funding & liquidity | 79 (stronger) | 63 |
| Problem-loan coverage | 75 | 97 (stronger) |
| Peer percentile | 16th | 95th |
| Total assets | $131.2M | $120.0M |
| Deposits / shares | $111.6M | $99.1M |
| Capital ratio | 14.57% | 17.16% (stronger) |
| Problem loans | 3.00% | 0.33% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.36% |
| Return on assets | 0.79% | 1.86% (stronger) |
| Loans ÷ deposits | 69.9% (stronger) | 91.1% |
| Uninsured deposits | 25.1% | 20.3% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
CentreBank has the higher TellerScore (90 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Spencer County Bank leads on 2 and CentreBank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.