Side-by-side · Q2 2026 data
The First Central National Bank of St. Paris vs Scott Associates Credit Union
Bank
The First Central National Bank of St. Paris
St. Paris, Ohio · Under $100 million in assets
Metric by metric
| Measure | The First Central National Bank of St. Paris | Scott Associates Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 61 |
| Capital cushion | 100 (stronger) | 66 |
| Loan quality | 99 (stronger) | 61 |
| Earnings | 50 (stronger) | 24 |
| Funding & liquidity | 84 (stronger) | 81 |
| Problem-loan coverage | 100 (stronger) | 86 |
| Peer percentile | 84th | 23rd |
| Total assets | $97.0M | $15.1M |
| Deposits / shares | $76.8M | $13.3M |
| Capital ratio | 18.89% (stronger) | 11.57% |
| Problem loans | 0.02% (stronger) | 1.18% |
| Net charge-offs | 0.00% (stronger) | 0.18% |
| Return on assets | 0.75% (stronger) | 0.10% |
| Loans ÷ deposits | 76.2% (stronger) | 79.5% |
| Uninsured deposits | 10.6% | 0.0% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First Central National Bank of St. Paris has the higher TellerScore (87 vs 61). On the 7 directional measures above (where higher or lower is clearly better), The First Central National Bank of St. Paris leads on 6 and Scott Associates Credit Union on 1. 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.