Side-by-side · Q2 2026 data
Bank & Trust Company vs The First National Bank of Raymond
Metric by metric
| Measure | Bank & Trust Company | The First National Bank of Raymond |
|---|---|---|
| TellerScore | 75 | 78 (stronger) |
| Capital cushion | 63 (stronger) | 59 |
| Loan quality | 88 (stronger) | 86 |
| Earnings | 65 | 73 (stronger) |
| Funding & liquidity | 74 | 95 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 61st | 72nd |
| Total assets | $641.3M | $187.1M |
| Deposits / shares | $540.5M | $172.3M |
| Capital ratio | 11.27% (stronger) | 10.91% |
| Problem loans | 0.37% (stronger) | 0.42% |
| Net charge-offs | 0.00% | -0.10% (stronger) |
| Return on assets | 1.13% | 1.33% (stronger) |
| Loans ÷ deposits | 78.9% | 47.4% (stronger) |
| Uninsured deposits | 21.6% | 19.7% (stronger) |
| Offices | 9 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.3% |
The First National Bank of Raymond has the higher TellerScore (78 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Bank & Trust Company leads on 2 and The First National Bank of Raymond on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Raymond, IL