Side-by-side · Q2 2026 data
The Central Trust Bank vs First Southwest Bank
Metric by metric
| Measure | The Central Trust Bank | First Southwest Bank |
|---|---|---|
| TellerScore | 69 | 86 (stronger) |
| Capital cushion | 29 | 100 (stronger) |
| Loan quality | 84 | 99 (stronger) |
| Earnings | 100 (stronger) | 44 |
| Funding & liquidity | 64 | 85 (stronger) |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 69th | 90th |
| Total assets | $20.3B | $657.5M |
| Deposits / shares | $16.4B | $491.7M |
| Capital ratio | 7.94% | 15.31% (stronger) |
| Problem loans | 0.49% | 0.04% (stronger) |
| Net charge-offs | 0.10% | 0.05% (stronger) |
| Return on assets | 1.99% (stronger) | 0.60% |
| Loans ÷ deposits | 70.4% | 68.6% (stronger) |
| Uninsured deposits | 38.4% | 21.5% (stronger) |
| Offices | 150 | 6 |
| CFPB complaints (3 yrs) | 97 | — |
| Complaints per $1B deposits | 5.9 | — |
| Mortgage denial rate (HMDA) | 10.4% | — |
First Southwest Bank has the higher TellerScore (86 vs 69). On the 7 directional measures above (where higher or lower is clearly better), The Central Trust Bank leads on 1 and First Southwest Bank on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.