Side-by-side · Q2 2026 data
Bank & Trust Company vs The Peoples State Bank of Newton, Illinois
Metric by metric
| Measure | Bank & Trust Company | The Peoples State Bank of Newton, Illinois |
|---|---|---|
| TellerScore | 75 | 81 (stronger) |
| Capital cushion | 63 | 85 (stronger) |
| Loan quality | 88 (stronger) | 82 |
| Earnings | 65 | 79 (stronger) |
| Funding & liquidity | 74 (stronger) | 64 |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 61st | 80th |
| Total assets | $641.3M | $736.7M |
| Deposits / shares | $540.5M | $577.9M |
| Capital ratio | 11.27% | 13.52% (stronger) |
| Problem loans | 0.37% (stronger) | 0.54% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.13% | 1.48% (stronger) |
| Loans ÷ deposits | 78.9% (stronger) | 85.5% |
| Uninsured deposits | 21.6% (stronger) | 24.6% |
| Offices | 9 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.3% |
The Peoples State Bank of Newton, Illinois has the higher TellerScore (81 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Bank & Trust Company leads on 4 and The Peoples State Bank of Newton, Illinois on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.