Side-by-side · Q2 2026 data
The Clinton National Bank vs First Central State Bank
Metric by metric
| Measure | The Clinton National Bank | First Central State Bank |
|---|---|---|
| TellerScore | 79 | 83 (stronger) |
| Capital cushion | 84 | 84 |
| Loan quality | 82 | 93 (stronger) |
| Earnings | 51 | 77 (stronger) |
| Funding & liquidity | 88 (stronger) | 65 |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 75th | 84th |
| Total assets | $396.4M | $772.4M |
| Deposits / shares | $340.7M | $595.4M |
| Capital ratio | 13.44% (stronger) | 13.39% |
| Problem loans | 0.53% | 0.21% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.01% |
| Return on assets | 0.77% | 1.43% (stronger) |
| Loans ÷ deposits | 67.5% (stronger) | 82.4% |
| Uninsured deposits | 19.5% (stronger) | 26.7% |
| Offices | 8 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.1% |
First Central State Bank has the higher TellerScore (83 vs 79). On the 7 directional measures above (where higher or lower is clearly better), The Clinton National Bank leads on 4 and First Central State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.