Wood & Huston Bank vs Civic Central
Comparing a Bank in Marshall, MO with a Credit Union in Jefferson City, MO using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Wood & Huston Bank ↗ Bank · Marshall, MO · Est. 1874 | Civic Central ↗ Credit Union · Jefferson City, MO · Est. 1939 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Marshall, MO | Jefferson City, MO |
| Total assets | $1.2B | $102.4M |
| Capital ratio | 10.6% | 13.8% |
| Return on assets | 2.0% | 1.1% |
| Deposits | $1.1B | — |
| Branches | 12 | 4,926 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 195 | #3 of 89 |
| Established | 1874 | 1939 |
Wood & Huston Bank
- Assets: $1.2B
- Deposits: $1.1B
- Capital ratio: 10.6%
- Return on assets: 2.0%
- CFPB complaints: 0
- State rank: #2 of 195
Civic Central
- Assets: $102.4M
- Members: 4,926
- Capital ratio: 13.8%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #3 of 89
Are both institutions federally insured?
Yes. Wood & Huston Bank is FDIC-insured and Civic Central is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Wood & Huston Bank or Civic Central?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Wood & Huston Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Wood & Huston Bank safe?
Yes — Wood & Huston Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Civic Central safe?
Yes — Civic Central is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Wood & Huston Bank vs Civic Central?
Wood & Huston Bank has a capital ratio of 10.6%, placing it in the top 44% of $1B–10B peers. Civic Central's ratio is 13.8%, placing it in the top 21% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Wood & Huston Bank have compared to Civic Central?
The CFPB database shows 0 complaints against Wood & Huston Bank, and 0 complaints against Civic Central. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Wood & Huston Bank with other Banks in Missouri
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
