Side-by-side · Q2 2026 data
Wellington State Bank vs Centennial Bank
Metric by metric
| Measure | Wellington State Bank | Centennial Bank |
|---|---|---|
| TellerScore | 43 | 79 (stronger) |
| Capital cushion | 45 | 76 (stronger) |
| Loan quality | 0 | 82 (stronger) |
| Earnings | 71 | 100 (stronger) |
| Funding & liquidity | 83 (stronger) | 40 |
| Problem-loan coverage | 32 | 94 (stronger) |
| Peer percentile | 3rd | 94th |
| Total assets | $659.7M | $24.6B |
| Deposits / shares | $599.4M | $19.6B |
| Capital ratio | 9.55% | 12.61% (stronger) |
| Problem loans | 5.27% | 0.55% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.07% |
| Return on assets | 1.28% | 2.13% (stronger) |
| Loans ÷ deposits | 56.5% (stronger) | 85.4% |
| Uninsured deposits | 30.9% (stronger) | 46.7% |
| Offices | 14 | 225 |
| CFPB complaints (3 yrs) | — | 55 |
| Complaints per $1B deposits | — | 2.8 |
| Mortgage denial rate (HMDA) | 7.1% | 23.4% |
Centennial Bank has the higher TellerScore (79 vs 43). On the 7 directional measures above (where higher or lower is clearly better), Wellington State Bank leads on 3 and Centennial Bank on 4. 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.
Where both have branches
- Lubbock, TX
- Canyon, TX
- Dalhart, TX
- Canadian, TX
- Memphis, TX
- Olton, TX
- Wheeler, TX