Side-by-side · Q2 2026 data
The First National Bank of Sparta vs Central Savings, f.s.b.
Metric by metric
| Measure | The First National Bank of Sparta | Central Savings, f.s.b. |
|---|---|---|
| TellerScore | 84 (stronger) | 75 |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 81 | 81 |
| Earnings | 98 (stronger) | 40 |
| Funding & liquidity | 81 (stronger) | 50 |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 86th | 61st |
| Total assets | $114.6M | $111.9M |
| Deposits / shares | $101.1M | $80.6M |
| Capital ratio | 12.64% | 25.49% (stronger) |
| Problem loans | 0.56% (stronger) | 0.57% |
| Net charge-offs | 0.15% | 0.00% (stronger) |
| Return on assets | 1.95% (stronger) | 0.49% |
| Loans ÷ deposits | 48.7% (stronger) | 118.3% |
| Uninsured deposits | 32.4% | 9.7% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Sparta has the higher TellerScore (84 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Sparta leads on 4 and Central Savings, f.s.b. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.