Side-by-side · Q2 2026 data
Alton Bank vs Independent Farmers Bank
Metric by metric
| Measure | Alton Bank | Independent Farmers Bank |
|---|---|---|
| TellerScore | 63 | 71 (stronger) |
| Capital cushion | 30 | 55 (stronger) |
| Loan quality | 83 (stronger) | 78 |
| Earnings | 60 | 65 (stronger) |
| Funding & liquidity | 86 (stronger) | 85 |
| Problem-loan coverage | 88 | 91 (stronger) |
| Peer percentile | 24th | 47th |
| Total assets | $145.0M | $146.5M |
| Deposits / shares | $127.9M | $131.9M |
| Capital ratio | 7.96% | 10.53% (stronger) |
| Problem loans | 0.52% (stronger) | 0.66% |
| Net charge-offs | 0.02% (stronger) | 0.07% |
| Return on assets | 0.99% | 1.13% (stronger) |
| Loans ÷ deposits | 63.6% (stronger) | 66.2% |
| Uninsured deposits | 24.9% | 23.5% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.3% |
Independent Farmers Bank has the higher TellerScore (71 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Alton Bank leads on 3 and Independent Farmers Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.